Topic: anyone in the insurance business??

[stay youth]

Hello I'm looking to get some renter's insurance to cover my motorcycle, tools, computers etc. I really have no idea how this works and was hoping someone on here could guide me. I live in downtown san francisco, earthquake city.I work part time and I'm also a student so I don't have a lot of money. Any tips , suggestions and fun comments are gladly encouraged.

[Rocking-M]

A Ruger 357 or 44 mag is always a good insurance policy.

[stay youth]

yeah I would kill myself if my bike got messed up!

[heffay]

honestly, you're gonna have to go and do the application yourself... so many factors for each individual make it hard to guess.
its a whole lot cheaper than you'd ever expect.

take pictures of everything.

go w/ a name you trust.

if they ask you leading questions (even on the internet)... think about them for a second... do you take extra measures for security?  they don't have to know what those exact measures are... i bet you do.    
answering appropriately to certain questions can save you $$

[heffay]

thanks for reminding me though... 

it does not cover motorcycles.  that is covered as theft under your auto insurance.
it does cover bicycles and scooters.

i just got a quote from geico and statefarm

geico cheapest quote was 191 a year
10,000 contents
100,000 liability

state farm was 125 a year w/ monthly payments available whereas geico only had 9payments at the most
20,000 contents
5,000 extra for business contents
100,000 liability

[heffay]

liberty mutual has a sweet calculator to play with.   

[heffay]

if people would just reply to my posts i wouldn't look like such a crazy person!   

when an insurance company requires all of my information to provide a quote... i go elsewhere, plain and simple.

that would be like me charging for an estimate to do a remodel.  you just don't do it.

[heffay]

things that typical policies cover (i particularly enjoy #4  ):

    *  Fire or lightning
    * Windstorm or hail
    * Explosion
    * Riot or civil commotion
    * Damage caused by aircraft
    * Damage caused by vehicles
    * Smoke
    * Vandalism or malicious mischief
    * Theft
    * Volcanic eruption
    * Falling objects
    * Weight of ice, snow, or sleet
    * Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance.
    * Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system.
    * Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance.
    * Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component)

[stay youth]

Wow thats some research! Thanks for the help. Living in SF the most important, earthquake coverage, is hard to find.

[heffay]

i do my own taxes too.   

[74cb750]

I wish I would have had my tools insured years ago....all stolen. The $ wanted was close to 1/4 the price of the tools if I remember correctly, because I was in an apartment.

Now that I have a house they are covered under my home owners policy at a much lower rate.
good luck