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Q-talk *ON TOPIC ONLY* QUALITY ON TOPIC discussion of Backyard BBQ, grilling, equipment and outdoor cookin' . ** Other cooking techniques are welcomed for when your cookin' in the kitchen. Post your hints, tips, tricks & techniques, success, failures, but stay on topic and watch for that hijacking. |
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10-06-2008, 11:45 AM | #1 |
is one Smokin' Farker
Join Date: 10-28-07
Location: North Logan, UT
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Insurance on Trailer Mounted Smoker
I'm curious about how much, or even if at all, the trailer mounted guys out there insure their rigs for... Do you insure for current value or replacement cost? I'm picking up a used Lang 60 on Thursday and I feel like my insurance guys are kinda selling me a bunch that I don't need.
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[FONT=Microsoft Sans Serif]Two Big Fat 22.5" WSM's[/FONT] [FONT=Microsoft Sans Serif]Two Well Worn UDS's[/FONT] [FONT=Microsoft Sans Serif]Great Outdoors Smokey Mountain Gasser[/FONT] [FONT=Microsoft Sans Serif]KCBS Member and CBJ[/FONT] |
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10-06-2008, 11:56 AM | #2 |
is One Chatty Farker
Join Date: 06-02-08
Location: Knoxville, TN
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Great question.
I have no idea what kind is even available, but I would imagine that it depends on what you want to insure. If you want replacement cost, you'll need to buy insurance that covers that. If you want to insure just the value of your smoker (depreciated) then you'll need to get that type.
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Life's a party with a Backwoods Party! |
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10-06-2008, 12:05 PM | #3 |
Babbling Farker
Join Date: 02-15-08
Location: Harrisburg, PA
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There was a recent Brethren post (that also help me out)...
http://www.bbq-brethren.com/forum/sh...ight=insurance There may be others under the search feature.
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Custom Klose Backyard Chef... of Snot, and a 22.5 WSM Former smokers; Lang 84 Deluxe kitchen, Lang 60 Mobile - The Damsel II, Lang 48 Patio - The Damsel, Bubba Keg Grill - RIP, Double Barrel Smoker and a BSKD |
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10-07-2008, 06:00 AM | #4 |
is one Smokin' Farker
Join Date: 07-20-08
Location: Griffin, GA
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My insurance company said it falls under my "umbrella" policy on homeowners insurance. No need for separate insurance (USAA Insurance).
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10-07-2008, 06:14 AM | #5 |
is One Chatty Farker
Join Date: 10-21-07
Location: Patchogue, NY
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As it was explained to me by my insurance company. The trailer is covered under the tow vehicles insurance while being towed. You can take out a supplemental insurance policy for theft or damages to the trailer while it's "free standing".
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Current: FEC100, BGE Medium, WSM Retired: Spicewine Med, Backwoods Party Weber Lineup: Performer, 22.5" One Touch Gold (redhead), WSJ Platnium, Genesis C Sponsors: Oakridge BBQ, Frontier Charcoal NEBS MAFIA Blazin' Buttz BBQ www.blazinbuttzbbq.com |
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10-07-2008, 06:40 AM | #6 |
Babbling Farker
Join Date: 08-03-08
Location: Mesa, AZ Not exactly hell, but the zip code is very close...
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Sampson, If you are gonna use the smoker commercially, then it's best to insure it seperatly from your auto. If you're just gonna do benefits and "unpaid" events, then the insurance of your "tow vehicle" should cover it in transit, and your homeowner's insurance should cover it for damage or theft on your property. Something I learned when I was in a traveling retail business...
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[FONT=Comic Sans MS]Bo Compton in Mesa, AZ, KCBS CBJ[/FONT] [FONT=Comic Sans MS]Weber Ranch Kettle, BDS Mega, OTS x 2, Weber Platinum[/FONT] [FONT=Comic Sans MS]18.5 WSM w/Stacker from ProQ, 22.5 WSM, Reverse Flow Lang Clone 80 butt capacity mounted on 25 foot trailer with attached awnings[/FONT] [FONT=Comic Sans MS][COLOR=#ff0000]LFSA RED Thermapen,[/COLOR] [/FONT] [FONT=Comic Sans MS]And 1 2010 Victor brand Hot Dog Cart[/FONT] |
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10-07-2008, 03:31 PM | #7 |
Full Fledged Farker
Join Date: 08-01-06
Location: Flat Rock, MI
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With my insurance, anything I tow is only covered by my tow vehicles insurance for the damage that it causes. Under no circumstance will my trailer be repaired or replaced unless I add a rider to my policy. If you know or think that your trailer would be repaired I would ask for it in detail and writing.
Chris
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-Chris -Downriver, MI - UDS ( my new favorite cooking device) - Homebuilt cold smoker, Cookshack SM008. - 250 gal oil drum cut and waiting for me to build it - (3) more 250 gal oil drums waiting for me to go get them. - Custom offset in progress. Link To The Build: http://www.bbq-brethren.com/forum/sh...ad.php?t=71893 |
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10-07-2008, 05:43 PM | #8 |
is one Smokin' Farker
Join Date: 12-22-07
Location: Sacramento, CA
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More importantly your son wants to know when he will get to eat off the aforementioned lang?
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WSM, UDS, BBQ Pro bullet smoker, weber performer, weber genesis silver, weber 18", weber 22", smokey joe, and a [COLOR=blue]Super accurate, deadly quick blue thermapen.[/COLOR] |
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10-07-2008, 07:07 PM | #9 |
Babbling Farker
Join Date: 04-03-05
Location: Marietta, GA
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I was about to post the same thing! You gotta love USAA...
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Noah \#/ Nauti-Que BBQ Team Pitmaster and KCBS CBJ & CTC Lang 60 Marie Laveau Deep South Single Chamber Glenda WSM 22.5 Asmarelda 22.5 OTG Samantha Weber Genesis Mocha |
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10-08-2008, 04:41 AM | #10 |
Full Fledged Farker
Join Date: 08-01-06
Location: Flat Rock, MI
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To those of you whose trailers fall under your umbrella policy of your homeowners, does it cover the trailer repairs if you were to get into an accident? I've checked on mine and while it covers me if it gets stolen, it wouldn't cover me in the even of an accident or if something happened while it was away from my property. I'm just curious and not trying to hijack the thread, but sounds like you guys have a better insurance.
Chris
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-Chris -Downriver, MI - UDS ( my new favorite cooking device) - Homebuilt cold smoker, Cookshack SM008. - 250 gal oil drum cut and waiting for me to build it - (3) more 250 gal oil drums waiting for me to go get them. - Custom offset in progress. Link To The Build: http://www.bbq-brethren.com/forum/sh...ad.php?t=71893 |
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10-09-2008, 12:16 AM | #11 |
is one Smokin' Farker
Join Date: 10-28-07
Location: North Logan, UT
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thanks everyone for the help, i just went ahead and made an appointment with our local insurance guy. i'm planning to use it for profit every now and again, so i'll report back as to what he tells me, pron will be included of course...
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[FONT=Microsoft Sans Serif]Two Big Fat 22.5" WSM's[/FONT] [FONT=Microsoft Sans Serif]Two Well Worn UDS's[/FONT] [FONT=Microsoft Sans Serif]Great Outdoors Smokey Mountain Gasser[/FONT] [FONT=Microsoft Sans Serif]KCBS Member and CBJ[/FONT] |
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10-09-2008, 05:54 AM | #12 |
is Blowin Smoke!
Join Date: 08-19-07
Location: Wichita, Ks.
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All I have to say is... a Lang 60! SWEET!
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[FONT=Arial]New Braunfels Black Diamond[/FONT] [FONT=Arial]Backwoods Patio Smoker[/FONT] [FONT=Arial]ET-73 Maverick Wireless Thermometer [/FONT] [FONT=Arial]ServSafe Certified[/FONT] [FONT=Arial]Déjà Moo - The feeling you've heard that bull before. [/FONT] |
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10-09-2008, 12:28 PM | #13 |
Full Fledged Farker
Join Date: 07-19-04
Location: Long Beach, CA
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So is it necessary to get your smoker insured? I know some of you have invested a great deal of money into some of yours a may want to have separate insurance policy. I never gave it much thought until I read this. I'm pretty sure ours is covered by our liability insurance for the business but I will confirm for when we invest into a larger rig. It also makes me wonder if it depends on the purpose of use at the time (personal vs. business).
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