Heart of Glass - Blenko Glass
Blenko Glass is a West Virginia treasure that spans generations. Nothing symbolizes the state of West Virginia better or more beautifully than Blenko Glass. We will discuss current and former craftsmen and designers and how important it is that Blenko and West Virginia glass be appreciated and valued by the younger generation.
Tuesday, October 02, 2012
Blenko Glass Co. - Blenko Glass Blog - Glass Insurance - Check out Geico
After reading your blog concerning insurance, I called my Insurance Agent (Geico providing Homeowner’s Insurance through Liberty Mutual).
I fully expected to be told that I needed an extra-cost rider or endorsement or something like that.
But after (I kid you not) a half hour, and multiple times on hold while they consulted multiple experts at Liberty Mutual,
I was told in fact that there is no limit in my Coverage C – Personal Property – Special Limits of Liability, for a glass collection
There are limits of other things (securities, watercraft, trailers, jewelry, watches, furs, precious stones, silverware, etc), but NOT for a glass collection.
As you know, my hobby is hot glass glassblowing, and until I got your email I had never actually counted all my pieces, but I have made over 300 pieces of glass which are in multiple curio cabinets etc throughout my house.
Two additional points:
1. Glassblowing is strictly a hobby for me, not a business, if someone were in the business of collecting/selling glass, other insurance would be required.
2. If (heaven forbid) there were a loss, a claims adjuster might reach some other conclusion (given the prevailing wisdom that there is some limit), but it would not seem to be supported by the contractual language in the policy.
Each person’s situation and contract/policy may be different, but this is the conclusion I was able to reach, thanks for raising this insurance question in your blog.