Poll of the Day > If someone breaks into your home and steals all your videogames..

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teddy241 05/25/21 12:17:35 AM #1:	does home inusrance cover the losses or are you SoL <cite>teddy241 posted [p:954268989] in If someone... [t:79476919]...</cite> <quote>does home inusrance cover the losses or are you SoL </quote> ... Copied to Clipboard!
zebatov 05/25/21 12:19:14 AM #2:	Everything is listed, so Ill get paid-out for my inconvenience. If they dont pay me out properly, I have my lawyer on speed dial. <cite>zebatov posted [p:954269030] in If someone... [t:79476919]...</cite> <quote>Everything is listed, so Ill get paid-out for my inconvenience. If they dont pay me out properly, I have my lawyer on speed dial. </quote> ... Copied to Clipboard!
teddy241 05/25/21 12:20:00 AM #3:	zebatov posted... Everything is listed, so Ill get paid-out for my inconvenience. If they dont pay me out properly, I have my lawyer on speed dial. LOL how much value we talking here <cite>teddy241 posted [p:954269058] in If someone... [t:79476919]...</cite> <quote>zebatov posted... </cite> <quote>Everything is listed, so Ill get paid-out for my inconvenience. If they dont pay me out properly, I have my lawyer on speed dial.</quote>LOL how much value we talking here </quote> ... Copied to Clipboard!
zebatov 05/25/21 12:48:43 AM #4:	teddy241 posted... LOL how much value we talking here I have no idea. That would have to be determined if the situation arose. I have a lot of CEs and classic CIBs. Ive never checked or estimated the value of my collection. Its about the principle more than the cost, although, I would have to be really shortchanged to seek legal counsel on the matter. Years ago I went to the bank to get a vehicle loan for $15,000 CAD for a car. They wouldnt give it to me because the return on the car wasnt worth the loan by their books. I told them the car would go up in value. The same car is now worth $45,000 USD. Companies would rather use some BS figures from a book than trust professional collectors for evaluating cost of an item. In some cases they would benefit from a default on a loan. <cite>zebatov posted [p:954269675] in If someone... [t:79476919]...</cite> <quote>teddy241 posted... </cite> <quote>LOL how much value we talking here</quote> I have no idea. That would have to be determined if the situation arose. I have a lot of CEs and classic CIBs. Ive never checked or estimated the value of my collection. Its about the principle more than the cost, although, I would have to be really shortchanged to seek legal counsel on the matter. Years ago I went to the bank to get a vehicle loan for $15,000 CAD for a car. They wouldnt give it to me because the return on the car wasnt worth the loan by their books. I told them the car would go up in value. The same car is now worth $45,000 USD. Companies would rather use some BS figures from a book than trust professional collectors for evaluating cost of an item. In some cases they would benefit from a default on a loan. </quote> ... Copied to Clipboard!
CarefreeDude 05/25/21 12:50:05 AM #5:	Payout will be pitiful as they take the average cost of a used game as opposed to the game you lost unless you have the games specifically itemized on the policy --- Switch Code: SW-5421-8761-9807 IGN: Chris Pokemon Home Friend Code: XSNF-XRED-EWDK 3DS:5112-3770-6561 <cite>CarefreeDude posted [p:954269715] in If someone... [t:79476919]...</cite> <quote>Payout will be pitiful as they take the average cost of a used game as opposed to the game you lost unless you have the games specifically itemized on the policy </quote> ... Copied to Clipboard!
zebatov 05/25/21 12:53:02 AM #6:	CarefreeDude posted... Payout will be pitiful as they take the average cost of a used game as opposed to the game you lost unless you have the games specifically itemized on the policy Agreed. Basically what I said in my edit. <cite>zebatov posted [p:954269774] in If someone... [t:79476919]...</cite> <quote>CarefreeDude posted... </cite> <quote>Payout will be pitiful as they take the average cost of a used game as opposed to the game you lost unless you have the games specifically itemized on the policy</quote> Agreed. Basically what I said in my edit. </quote> ... Copied to Clipboard!
CarefreeDude 05/25/21 2:33:14 AM #7:	zebatov posted... Everything is listed, so Ill get paid-out for my inconvenience. If they dont pay me out properly, I have my lawyer on speed dial. lol unless you have the items listed as a rider on your plan, this isn't how things are going to go. --- Switch Code: SW-5421-8761-9807 IGN: Chris Pokemon Home Friend Code: XSNF-XRED-EWDK 3DS:5112-3770-6561 <cite>CarefreeDude posted [p:954271438] in If someone... [t:79476919]...</cite> <quote>zebatov posted... </cite> <quote>Everything is listed, so Ill get paid-out for my inconvenience. If they dont pay me out properly, I have my lawyer on speed dial.</quote> lol unless you have the items listed as a rider on your plan, this isn't how things are going to go. </quote> ... Copied to Clipboard!
Mead 05/25/21 2:42:33 AM #8:	How they gonna steal all my digital games --- YOU control the numbers of leches. -Sal Vulcano <cite>Mead posted [p:954271557] in If someone... [t:79476919]...</cite> <quote>How they gonna steal all my digital games </quote> ... Copied to Clipboard!
Krazy_Kirby 05/25/21 4:58:58 AM #9:	most of my ps4 games are digital... good luck stealing those --- Kill From The Shadows. https://en.m.wikipedia.org/wiki/Idiot <cite>Krazy_Kirby posted [p:954273342] in If someone... [t:79476919]...</cite> <quote>most of my ps4 games are digital... good luck stealing those</quote> ... Copied to Clipboard!
Sarcasthma 05/25/21 5:50:16 AM #10:	Mead posted... How they gonna steal all my digital games digitally --- What's the difference between a pickpocket and a peeping tom? A pickpocket snatches your watch. <cite>Sarcasthma posted [p:954273963] in If someone... [t:79476919]...</cite> <quote>Mead posted... </cite> <quote>How they gonna steal all my digital games</quote>digitally </quote> ... Copied to Clipboard!
Zeus 05/25/21 6:13:09 AM #11:	Homeowners would cover something, but you're SOL unless you catalog and value everything. Granted, thieves are going to steal more than your games most of the time so there's a lot more to worry about during a full-on burglary. Granted, a lot of thieves are more the smash & grab type so they'll get in there, they'll grab cash and small high-value items, and get out. They aren't going to bother with video games most of the time, or they're not going to grab much. --- (\/)(\/)\|-\| There are precious few at ease / With moral ambiguities / So we act as though they don't exist. <cite>Zeus posted [p:954274250] in If someone... [t:79476919]...</cite> <quote>Homeowners would cover something, but you're SOL unless you catalog and value everything. Granted, thieves are going to steal more than your games most of the time so there's a lot more to worry about during a full-on burglary. Granted, a lot of thieves are more the smash & grab type so they'll get in there, they'll grab cash and small high-value items, and get out. They aren't going to bother with video games most of the time, or they're not going to grab much. </quote> ... Copied to Clipboard!
Mead 05/25/21 6:36:10 AM #12:	Sarcasthma posted... digitally --- YOU control the numbers of leches. -Sal Vulcano <cite>Mead posted [p:954274531] in If someone... [t:79476919]...</cite> <quote>Sarcasthma posted... </cite> <quote>digitally</quote> </quote> ... Copied to Clipboard!
ArvTheGreat 05/25/21 6:39:39 AM #13:	Lan di --- Things are about to get arvified <cite>ArvTheGreat posted [p:954274577] in If someone... [t:79476919]...</cite> <quote>Lan di </quote> ... Copied to Clipboard!
ArvTheGreat 05/25/21 6:44:41 AM #14:	Krazy_Kirby posted... most of my ps4 games are digital... good luck stealing those Sucker alls he has to do is take the console --- Things are about to get arvified <cite>ArvTheGreat posted [p:954274647] in If someone... [t:79476919]...</cite> <quote>Krazy_Kirby posted... </cite> <quote>most of my ps4 games are digital... good luck stealing those</quote>Sucker alls he has to do is take the console </quote> ... Copied to Clipboard!
adjl 05/25/21 12:21:44 PM #15:	Zeus posted... Granted, a lot of thieves are more the smash & grab type so they'll get in there, they'll grab cash and small high-value items, and get out. They aren't going to bother with video games most of the time, or they're not going to grab much. Indeed. Games have relatively little resale value, as much as their replacement value is pretty high, so unless there's an obvious, easy way for them to take them in large numbers (a case full of Switch carts, for example), or there's nothing else of value in sight, they probably aren't going to bother. The systems, on the other hand, are a prime target. They're a little on the bulkier side, and the need to be careful with them to avoid damaging them beyond saleworthiness complicates matters (to say nothing of the loss of value if all the cords are missing, and burglars generally won't bother unhooking everything), but it's usually possible to get a decent enough payout from a stolen system to make them worth taking. ArvTheGreat posted... Sucker alls he has to do is take the console And then you sign into your account on a new console and download them all again. Inconvenient, but a lot cheaper than buying a whole new collection. --- This is my signature. It exists to keep people from skipping the last line of my posts. <cite>adjl posted [p:954282536] in If someone... [t:79476919]...</cite> <quote>Zeus posted... </cite> <quote>Granted, a lot of thieves are more the smash & grab type so they'll get in there, they'll grab cash and small high-value items, and get out. They aren't going to bother with video games most of the time, or they're not going to grab much.</quote> Indeed. Games have relatively little resale value, as much as their replacement value is pretty high, so unless there's an obvious, easy way for them to take them in large numbers (a case full of Switch carts, for example), or there's nothing else of value in sight, they probably aren't going to bother. The systems, on the other hand, are a prime target. They're a little on the bulkier side, and the need to be careful with them to avoid damaging them beyond saleworthiness complicates matters (to say nothing of the loss of value if all the cords are missing, and burglars generally won't bother unhooking everything), but it's usually possible to get a decent enough payout from a stolen system to make them worth taking. ArvTheGreat posted... </cite> <quote>Sucker alls he has to do is take the console</quote> And then you sign into your account on a new console and download them all again. Inconvenient, but a lot cheaper than buying a whole new collection. </quote> ... Copied to Clipboard!
Wu_Tang_Shogun 05/25/21 12:26:29 PM #16:	I have a pretty decent Neo Geo AES collection. I would be SOL lol. --- PSN- Quiksta187 91 Till Infinity <cite>Wu_Tang_Shogun posted [p:954282671] in If someone... [t:79476919]...</cite> <quote>I have a pretty decent Neo Geo AES collection. I would be SOL lol. </quote> ... Copied to Clipboard!
Muscles 05/25/21 12:28:09 PM #17:	Isn't that the point of insurance? I guess they always try to weasel their way out of paying though --- Muscles Chicago Bears \| Chicago Blackhawks \| Chicago Bulls \| Chicago Cubs \| NIU Huskies <cite>Muscles posted [p:954282712] in If someone... [t:79476919]...</cite> <quote>Isn't that the point of insurance? I guess they always try to weasel their way out of paying though </quote> ... Copied to Clipboard!
Dikitain 05/25/21 1:42:54 PM #18:	I'm pretty sure the cost of all my physical games wouldn't even cover the deductible on my insurance plan. --- After 16 years, I have decided my signature will NOT be about my job! But I still don't know what to put here so...yea... <cite>Dikitain posted [p:954284975] in If someone... [t:79476919]...</cite> <quote>I'm pretty sure the cost of all my physical games wouldn't even cover the deductible on my insurance plan. </quote> ... Copied to Clipboard!
zebatov 05/28/21 8:45:01 PM #19:	CarefreeDude posted... lol unless you have the items listed as a rider on your plan, this isn't how things are going to go. I dont think US insurance is the same as Canadian insurance, not in in a good way. At least as far as vehicle insurance goes. So I expect renter/home to be similar. <cite>zebatov posted [p:954410459] in If someone... [t:79476919]...</cite> <quote>CarefreeDude posted... </cite> <quote>lol unless you have the items listed as a rider on your plan, this isn't how things are going to go.</quote> I dont think US insurance is the same as Canadian insurance, not in in a good way. At least as far as vehicle insurance goes. So I expect renter/home to be similar. </quote> ... Copied to Clipboard!
zebatov 05/28/21 8:47:51 PM #20:	Zeus posted... Homeowners would cover something, but you're SOL unless you catalog and value everything. Granted, thieves are going to steal more than your games most of the time so there's a lot more to worry about during a full-on burglary. Granted, a lot of thieves are more the smash & grab type so they'll get in there, they'll grab cash and small high-value items, and get out. They aren't going to bother with video games most of the time, or they're not going to grab much. There are cameras in the building and Im on the fourth floor, so Im good on the burglary. The only time Ive ever had something stolen are when the movers moved my stuff from my moms when I was living in Calgary. Lost AC2/3 collectors editions. <cite>zebatov posted [p:954410534] in If someone... [t:79476919]...</cite> <quote>Zeus posted... </cite> <quote>Homeowners would cover something, but you're SOL unless you catalog and value everything. Granted, thieves are going to steal more than your games most of the time so there's a lot more to worry about during a full-on burglary. Granted, a lot of thieves are more the smash & grab type so they'll get in there, they'll grab cash and small high-value items, and get out. They aren't going to bother with video games most of the time, or they're not going to grab much.</quote> There are cameras in the building and Im on the fourth floor, so Im good on the burglary. The only time Ive ever had something stolen are when the movers moved my stuff from my moms when I was living in Calgary. Lost AC2/3 collectors editions. </quote> ... Copied to Clipboard!
ReggieTheReckless 05/28/21 9:19:09 PM #21:	Eh, when we had a flood at one point in my childhood we didn't need any special proof of what was destroyed/lost. We got money for literally anything we told them was destroyed. We could have made stuff up and got even more money. I'm very much under the impression that people who don't get anything that they want from insurance, or other companies, are just not very good on the phone and just accept whatever is told to them instead of complaining really hard until they get what they want <cite>ReggieTheReckless posted [p:954411486] in If someone... [t:79476919]...</cite> <quote>Eh, when we had a flood at one point in my childhood we didn't need any special proof of what was destroyed/lost. We got money for literally anything we told them was destroyed. We could have made stuff up and got even more money. I'm very much under the impression that people who don't get anything that they want from insurance, or other companies, are just not very good on the phone and just accept whatever is told to them instead of complaining really hard until they get what they want </quote> ... Copied to Clipboard!
zebatov 05/29/21 7:39:53 AM #22:	ReggieTheReckless posted... Eh, when we had a flood at one point in my childhood we didn't need any special proof of what was destroyed/lost. We got money for literally anything we told them was destroyed. We could have made stuff up and got even more money. I'm very much under the impression that people who don't get anything that they want from insurance, or other companies, are just not very good on the phone and just accept whatever is told to them instead of complaining really hard until they get what they want The part where people tell them they had whatever is why premiums go up and makes what CFD said make sense. I just think ours is more like you said honour based and you dont have to do their homework for them. Because prices for items change, so you shouldnt be locked-in at what you tell them initially. <cite>zebatov posted [p:954422552] in If someone... [t:79476919]...</cite> <quote>ReggieTheReckless posted... </cite> <quote>Eh, when we had a flood at one point in my childhood we didn't need any special proof of what was destroyed/lost. We got money for literally anything we told them was destroyed. We could have made stuff up and got even more money. I'm very much under the impression that people who don't get anything that they want from insurance, or other companies, are just not very good on the phone and just accept whatever is told to them instead of complaining really hard until they get what they want</quote> The part where people tell them they had whatever is why premiums go up and makes what CFD said make sense. I just think ours is more like you said honour based and you dont have to do their homework for them. Because prices for items change, so you shouldnt be locked-in at what you tell them initially. </quote> ... Copied to Clipboard!
PMarth2002 05/29/21 8:39:41 AM #23:	our house got robbed on vacation when I was a kid and I got a new SNES and most or all of my games replaced. don't know anything about the paperwork side of it or what's required, i was a kid. --- They have taken untold millions that they never toiled to earn But without our brain and muscle not a single wheel can turn <cite>PMarth2002 posted [p:954423352] in If someone... [t:79476919]...</cite> <quote>our house got robbed on vacation when I was a kid and I got a new SNES and most or all of my games replaced. don't know anything about the paperwork side of it or what's required, i was a kid. </quote> ... Copied to Clipboard!
Krazy_Kirby 05/29/21 9:47:28 AM #24:	PMarth2002 posted... our house got robbed on vacation when I was a kid and I got a new SNES and most or all of my games replaced. don't know anything about the paperwork side of it or what's required, i was a kid. or your parents just bought it --- Kill From The Shadows. https://en.m.wikipedia.org/wiki/Idiot <cite>Krazy_Kirby posted [p:954424539] in If someone... [t:79476919]...</cite> <quote>PMarth2002 posted...</cite> <quote>our house got robbed on vacation when I was a kid and I got a new SNES and most or all of my games replaced. don't know anything about the paperwork side of it or what's required, i was a kid. </quote> or your parents just bought it</quote> ... Copied to Clipboard!
HelIWithoutSin 05/29/21 12:05:41 PM #25:	Krazy_Kirby posted... or your parents just bought it Or the robbers came back and returned everything. --- And when Alexander saw the breadth of his domain, he wept, for there were no more worlds to conquer. -Hans Gruber <cite>HelIWithoutSin posted [p:954427769] in If someone... [t:79476919]...</cite> <quote>Krazy_Kirby posted... </cite> <quote>or your parents just bought it</quote> Or the robbers came back and returned everything. </quote> ... Copied to Clipboard!
Mensis 05/29/21 4:35:41 PM #26:	I guess my renters insurance would cover it yeah <cite>Mensis posted [p:954434947] in If someone... [t:79476919]...</cite> <quote>I guess my renters insurance would cover it yeah </quote> ... Copied to Clipboard!
Zareth 05/29/21 5:15:56 PM #27:	If they wanna steal ALL my video games they'll need a moving van and several hours. --- In my opinion, all slavery is wrong, even the really fancy kind - Mead <cite>Zareth posted [p:954436045] in If someone... [t:79476919]...</cite> <quote>If they wanna steal ALL my video games they'll need a moving van and several hours. </quote> ... Copied to Clipboard!
Metalsonic66 05/30/21 1:53:28 AM #28:	The sentimental value can't be insured --- PSN/Steam ID: Metalsonic_69 Big bombs go kabang. <cite>Metalsonic66 posted [p:954449574] in If someone... [t:79476919]...</cite> <quote>The sentimental value can't be insured </quote> ... Copied to Clipboard!
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Poll of the Day > If someone breaks into your home and steals all your videogames.. (+) Yeah! (+)

Poll of the Day > If someone breaks into your home and steals all your videogames..