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 » RockyTalky
»  » state farm insurance
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state farm insurance |
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| P: 7/9/2003 8:39:03 AM | |
icey Rough Rock Total Posts: 26 Last Post: 7/11/2003 Member Since: 6/18/2003 |
Anybody have experience with them?good or bad? I know Chubb gives cash back,but SF claims to replace with "like quality"...is this risky if you insure with them a Tiffany ring( obviously I would want a Tiffany ring as replacement)...nor would they state so in the contract, they can only verbally reassure me.Should I worry?
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| Posted: 7/9/2003 8:39:03 AM | |
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There are 4 replies to this message. There are 4 replies on this page. |
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| P: 7/9/2003 10:19:44 AM | |
coussen2 Rough Rock Total Posts: 7 Last Post: 7/10/2003 Member Since: 7/2/2003 |
I have been insured with state farm for a few years now, not on a ring, but on auto, renters and a 5000 dollar necklace, the necklace was stolen in a break in, and they replaced it exactally and I was very happy with it (luckily I found the necklace again). Anyway, my experience was great, but as far as a tiffany, I would ask around A LOT before making that decision, but I would think that they would be okay with replacing it if anything happened.
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| Posted: 7/9/2003 10:19:44 AM | |
| P: 7/9/2003 12:04:35 PM | |
Mara Ideal Rock Total Posts: 27,916 Last Post: 11/23/2009 Member Since: 10/30/2002 |
Read up on some posts in the archive on this issue...this would be similar to someone who bought an ACA or a SC stone and wanted to be sure that a loss was replaced with the SAME BRAND stone, since Tiffany is a brand it would most likely be considered the same thing. It's a little tricky and they don't *guarantee* anything (we have SF for our renters & personal policies, etc but went with Chubb for the jewelry) which is why we went with Chubb--I just didn't want to have to worry about the ring at all and with Chubb we pay a few bucks extra a year for that peace of mind. Good luck!! ________________________________ |
| Posted: 7/9/2003 12:04:35 PM | |
| P: 7/9/2003 3:27:11 PM | |
rbjd Cut Rock Total Posts: 154 Last Post: 7/26/2008 Member Since: 2/4/2003 |
We have State Farm auto insurance and I've been looking at their renter's insurance and valuable article policies. I decided to go with Chubb. I've been dealing with Dave Stone (recommended by RockDoc) who is a great guy and definitely knows his valuable article policies. Yes, Chubb does have a cash payout, which is probably better. They just cut you a check for the value of the policy. They also have a 150% market value payout if you replace the ring yourself (meaning they'll pay up to 150% of your policy value if you actually replace your ring with the same quality and the market value has gone up). They also have very straitforward exclusion clauses. It seems like a pretty low-BS policy. Throw in the fact that you're looking at ~$200 per year for $10,000 insurance (which means you've only paid 20% of the insured value after 10 years) and it seems like a pretty reasonable deal to me.
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| Posted: 7/9/2003 3:27:11 PM | |
| P: 7/9/2003 4:29:55 PM | |
Pyramid Ideal Rock Total Posts: 2,914 Last Post: 11/11/2009 Member Since: 11/10/2002 |
If you read Diamond talk (one word).com you will see Pookarina had a fiasco with them which has been corrected now but she had to fight for it. It was partly her fault. She has now changed over to Chubb I believe.
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| Posted: 7/9/2003 4:29:55 PM | |
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