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Q-talk *ON TOPIC ONLY* QUALITY ON TOPIC discussion of Backyard BBQ, grilling, Equipment and just outdoor cookin' in general, hints, tips, tricks & techniques, success, failures... but stay on topic. And watch for that hijacking.


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Unread 03-28-2013, 05:11 PM   #1
Toast
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Default Is it a good idea carry extra insurance on BBQ Stuff?

I'm not asking for any particulars just if you think it's a good idea. Over the last few years, I'm thinking it might be a good idea. I've read over the years about storms and theft and such Folks have posted.
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Unread 03-28-2013, 05:23 PM   #2
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I'd think that unless you have a really expensive rig that most stuff would be covered under a standard homeowners or renters insurance policy.
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Unread 03-28-2013, 05:27 PM   #3
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I have a friend, who years ago lost his BBQ trailer at a football tailgate... he went into the game and when he came out, someone had hitched up his rig and drove off!
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Unread 03-28-2013, 06:15 PM   #4
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Quote:
Originally Posted by mrboy View Post
I have a friend, who years ago lost his BBQ trailer at a football tailgate... he went into the game and when he came out, someone had hitched up his rig and drove off!
Yes, I can see where a towable BBQ rig would be at risk just like a towable Bass rig or anyother boat. Folks have a separate policy for their boats at least around here. I wonder if it's offered for towable BBQ rigs.

Disclaimer. I'm not and insurance salesman!
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Unread 03-28-2013, 06:29 PM   #5
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In Michigan where I live......My equipment is covered on my property.
If I tow my pit to my sons house and gets stolen It is not covered.
I have a separate policy on my big mobile Klose pit. Couple hundred dollars a year and I am good to go. I too am not an insurance agent.
I would call your local agent and talk to them.
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Unread 03-28-2013, 06:39 PM   #6
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Good idea. I do not have a towable rig but can see it for the stuff on my property. Everytime I talk with my agent it ends up casting me more money. Thought I would ask here first.
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Unread 03-28-2013, 06:43 PM   #7
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Quote:
Originally Posted by Toast View Post
Yes, I can see where a towable BBQ rig would be at risk just like a towable Bass rig or anyother boat. Folks have a separate policy for their boats at least around here. I wonder if it's offered for towable BBQ rigs.

Disclaimer. I'm not and insurance salesman!
With an avatar like that, you could sell me anything
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Unread 03-28-2013, 07:18 PM   #8
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Quote:
Originally Posted by RevZiLLa View Post
With an avatar like that, you could sell me anything
+1 to that...lol.
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Unread 03-28-2013, 07:37 PM   #9
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If you have the basics, I think your homeowners would cover. Mine does. But, if I had a cooker worth several thousand dollars, I would get a rider. If it was mobile, I would definitely get a theft rider, as you never know.
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Unread 03-28-2013, 07:41 PM   #10
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Just got insurance on my tow behind. Little over $100 a year for piece of mind. Money well spent.
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Unread 03-29-2013, 12:29 AM   #11
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Have you looked into umbrella policies for your home? I don't know if it covers bbq gear better than a rider though.
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