Re: Simulator Insurance!!!
Okay, my post above is long, but it has good merit. In fact, let me tell you more about that merit. Today, my insurance agent visit to inspect the wood burning stove that is in the same room as my simulator. He needed to verify it's installment and manufacturing safety applications being followed.
I'm sure I posted about this before, in the past, that I had the garage converted to a room, and because of that, it is legal to put a wood burning stove in; otherwise, a garage=no for wood burners. Anyway, the agent took one look at the simulator and was shocked, as well as overwhelmed. He just could not believe there is a full-size simulator sitting here. He thought I was talking about a desktop setup when I first informed him.
Of course he asked to take it for a flight, but he also suggested more insurance in a different manner. Sure, that sounds normal right? He sees a chance to make more money, so he offers. Honestly, that wasn't it. In fact, he was telling me about certain caps for personal property insurance. For example, the cap for the computers is $5000-$10,000. So, only that amount (of the entire personal property total) can be claimed as computer and computer related property. Thus, if I have 8 computers and they, with all the Interface Cards get destroyed, I can only claim that amount, even though the replacement amount is worth 5 times that much.
What to do? He is going to look at a special class of insurance since the simulator is not a normal item to be covered. It's covered in the personal property for sure, but he wants to remove caps for any type of item(s). Yes, it might cost another $50 per year (a guess), but it's still worth it! Therefore, the moral to this story is, not only get insurance for your simulator/hobby, but also have your agent come visit! Oh, if you really want to make this funny, get a video camera and record their surprise, and then put it on youtube as:
How to freak out your insurance agent!