barrelroll
Well-Known Member
I have a fair amount of personal tools at work and a new tool box on the way. It's to the point I'm thinking insurance for my tools and tool box would be a good idea. I work at a mine off the road system in Alaska, the new box will head out by barge which isn't known for handling things gently. When I quit my box gets crated up and shipped via barge and truck to the next place. The odds of my junk getting stolen at this place aren't very high though things disappear in shipping. I never underestimate my coworker's abilities to screw things up so it could get screwed up just sitting there while I'm on days off.
I called my State Farm office I have all my policies with, they quoted me $825 a year for a $1k deductible on $40k of coverage. It didn't sound horrible till I started reading the fine print for the policy. I attached a picture of the fine print. It sound like it doesn't cover shipping damage. It's questionable if theft is considered a mysterious disappearance which isn't covered and it's questionable if a coworker was to steal something if it was covered.
Any other recommendations for who else to get a quote from? I'm an employee with personal tools at work. I'd like some insurance on my new box before I send it out to work.
I called my State Farm office I have all my policies with, they quoted me $825 a year for a $1k deductible on $40k of coverage. It didn't sound horrible till I started reading the fine print for the policy. I attached a picture of the fine print. It sound like it doesn't cover shipping damage. It's questionable if theft is considered a mysterious disappearance which isn't covered and it's questionable if a coworker was to steal something if it was covered.
Any other recommendations for who else to get a quote from? I'm an employee with personal tools at work. I'd like some insurance on my new box before I send it out to work.