Insuring Your Insulators
If you want to know why you should insure your insulators... Yes, that was a CD 164 H.G.CO. in
Since 1993, the National Insulator Association has had an insurance policy
available for current members. This is a policy especially designed for insulator collectors, and is
backed by the ITT Hartford Insurance Group. This policy features a number of attractive benefits:
- You are covered for the actual cash value of your insulator or related collection
- You determine the value of your collection and insure it for that value
- Breakage of individual pieces is covered (including breakage from earthquakes)
- Coverage also applies when you are transporting or displaying your collection
- Dealers operating out of their house are also covered at the rate for a personal collection
- The NIA, if needed, will assist in the evaluation of a loss
- Your coverage may be increased or decreased at any time during the year.
The rate schedule is quite reasonable. Basic information is provided below.
- The basic rate is $5 per $1,000 valuation per year
- Earthquake coverage is an additional $3 per $1,000 valuation
- There is a $50 deductible per claim
- Items valued at $1,000 or over must be specifically itemized and valued, otherwise they are
- For an evaluation of $10,000 or less, the premium is $150 for a three year policy
- For an evaluation between $10,000 and $20,000 the premium is at the rate of $5 per $1,000 per
year, but a three year policy must be purchased
- For an evaluation of $20,000 or more you can obtain an annual policy
You must be an active member of the National Insulator Association, and a copy of your NIA member
card must be provided as part of the application process.
- For more information, contact:
- Charlotte Stevens
StarkWeather & Shepley, Inc.
P.O. Box 549, Dept. WWW
Providence, RI 02901-0549
All attempts have been made to provide accurate information here. However, in the case of
discrepancies, the information provided by the insurance agency is the official source.
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Last updated Wednesday, April 23, 2003