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<blockquote data-quote="shorthairsrus" data-source="post: 172926" data-attributes="member: 219">i am a insurance company's dream - never really collect on anything.&nbsp;&nbsp; Collected on my homeowners once a small amount at that and that was an act of god to do.&nbsp;&nbsp; I dont think many people would of went through the paper work i did/ they would of just bent over.&nbsp; I worked on some client cases in 97 GF and all and those were like impossible to get reimbursed correctly on.&nbsp; With that said out of site out of mind.&nbsp; &nbsp;&nbsp; I am sure when i purchased my boat i gave my agent the purchase agreement.&nbsp; &nbsp; ID'd the motor and trolling motor seperately and then estimated gear at 7k.&nbsp; &nbsp; I asked him the other day ago if i was insurance for FMV and he said yes --- so then you start thinking -- boat motor fairly easy to determine.&nbsp;&nbsp; That brought me to FMV of your gear ?? Homeowners--- does it work if your boat is parked somewhere other than home.&nbsp;&nbsp; I know I have had little boats that i could totally insurance under a home owners policy liability due to HP.&nbsp; How does that work with bigger boats?&nbsp; i was never given the option.</blockquote>

[QUOTE="shorthairsrus, post: 172926, member: 219"] i am a insurance company's dream - never really collect on anything. Collected on my homeowners once a small amount at that and that was an act of god to do. I dont think many people would of went through the paper work i did/ they would of just bent over. I worked on some client cases in 97 GF and all and those were like impossible to get reimbursed correctly on. With that said out of site out of mind. I am sure when i purchased my boat i gave my agent the purchase agreement. ID'd the motor and trolling motor seperately and then estimated gear at 7k. I asked him the other day ago if i was insurance for FMV and he said yes --- so then you start thinking -- boat motor fairly easy to determine. That brought me to FMV of your gear ?? Homeowners--- does it work if your boat is parked somewhere other than home. I know I have had little boats that i could totally insurance under a home owners policy liability due to HP. How does that work with bigger boats? i was never given the option. [/QUOTE]

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