[geeks] home equipment inventories

[Bill Bradford]

On Tue, Jan 08, 2002 at 06:39:42PM -0500, Ken Hansen wrote:
> Most important concerns will be documenting that they are not business 
> machines - that requires special coverage, not general homeowners 
> insurance, AFAIK (but IANAIA - I Am Not An Insurance Agent).

She asked if they were used for a business, and I said "no, these re
just personal boxes".

> Also, how would you support your valuation - reciepts, current market 
> value, etc?

I'm insured for replacement value.

> I suspect it would be important to make it look like the machines belong 
> there, not like you  have borrowed all your friends boxes to pump up 
> your insurance claims... Just a thought.

Not hard to do in my case. 8-)

> I suspect you may need a separate policy, because if the insurance 
> company finds out you run a business (sunhelp.org may qualify), any 
> claim for business equipment may be invalidated.

sunhelp.org is separate, and for all intents and purposes is just a
web site that sits on a machine (ohno.mrbill.net is the main server)
at an ISP downtown.  Its completely separate from the stuff I have at
home.  Plus, its 1. not an official company/organization and 2.
I make no profit from it (far from it, in fact).

So far, looks good, I just need to document what I have with serial and
model numbers.

Bill

-- 
Bill Bradford
mrbill at mrbill.net
Austin, TX