Can we talk..........again?

Monday, 2:22 pm

By Cyn

May

03

2010

SO, my home (where I grew up) in the Berkshires is for sale, it is vacant (of people, nothing else) and for sale - anyone interested, let me know, we’ll really talk!  Anyway, I may have mentioned this before but on the strong advice of my accountant and attorney, I went through the proper channels to change the insurance from regular house insurance to vacant home insurance.....or so I think--more on that later.

The local insurance agency my mom always dealt with said yes, you must change it and just because it is you--hahaha--the cost is about $6500.00 a year.  Now my mom was under-insured, she knew it, we knew it, but it was not my decision to make, but to jump from $500 a year to over $6000 seemed a little ludicrous to me.  So I checked with my agent here, he said TAKE THE DEAL, I said what deal, he said best I can do for you is between 7-9,000.  Holy S***!  So I took ‘the deal’ kicking and screaming all the way.  I still don’t get it, but.

So today the policy finally arrives--all 100 pages or so it seems.  Can I read it?  Not really--nor quite frankly, do I want to.  But I flipped through it, the name of the street/road my mom lived on is wrong in every instance.  One place they are calling it EQUIPMENT Street?  Hello???  Egremont sounds like equipment??  Throughout this policy it refers to commercial property which it is not.  Or to the best of my knowledge, a residence is not commercial or at least not in this case.

But the best part is this and I am quoting directly from the policy:Absolute War or Terrorism Exclusion - The following supersedes the terms and conditions of this policy.  If the policy to which this endorsement is attached contains an exclusion for War, that exclusion is deleted in its entirety and replaced with the following.  If the policy to which this endorsement is attached does not contain an exclusion for War, the exclusion below applies:  This insurance does not apply to...and company will not defend or pay loss for any claim arising out of...1.  War; 2. Warlike action by a military force, including action in hindering or defending other authority using military personnel or other agents; 3. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these; or 4. Terrorism, including any action taken in hindering or defending against an actual or expected incident of terrorism. It goes on from there, but you get the picture..........

OK, now some of you might know where this house is--if not, let’s just say it is in a tiny little town tucked away in the Berkshires, about 7 minutes from the NY state line, 20 minutes from the Connecticut state line and perhaps 45 minutes or so from the Vermont state line.  If war hits there or there is a terrorism attack, then (and excuse my language) we all had best kiss our asses goodbye cause we will have NO chances to survive!!    I mean really!!  That is insane.  And before you ask, I did opt out of that coverage, it probably would have cost another $2,000.

Have a lovely day...........

Ciao’