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#1
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This may be a dumb question but I'm only 33 and have only owned 2 homes. Would home owners insurance help with this?
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1984 Wellcraft V20 Steplift Cuddy 2004 200 HP Evenrude USCG Captain Brent Highsmith Kayak.Fish.StCatherines Mothership Charters email [email protected] 
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#2
08-06-2010, 05:32 PM
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Quote:
Talk to Toyota dealers in the general area. He's gonna need a fender and mirror... and they are both dealer items...might find out who ordered same.. I'd make a bunch of business type cards with my name and number on them.. and maybe the offer of a reward... give them to the parts counter salesmen at the dealers and to any junk yards in the area.. explain what happened and ask them to contact you if anyone com4es in looking to buy that stuff. The fender will be a special order part... the police might be able to catch the guy when he shows up to pick up the part. Just a suggestion... 
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1987 V20 w/1987 150HP Yamaha on a Shoreland'r Trailer 1978 16.5 Airslot w/1996 120HP Force on a Four Winns trailer 1996 V21 w/1993 200HP Mercury on a Shoreline Trailer All towed by a 5.7L Hemi Durango. If God didn't have a purpose for us we wouldn't be here, so Live simply, Love generously, Care deeply, Speak kindly. (Leave the rest to God)  Silence, in the face of evil, is itself evil. Not to speak is to speak, not to act is to act. God will not hold us guiltless.
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#3
08-07-2010, 09:58 PM
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I believe homeowner's insurance would have covered it. It is pretty broad insurance. I remember a long time back when I was in college some %$^%$'s broke into our house and stole a bunch of stuff. Believe it or not, my parents' homeowner's insurance covered it even though I was not even living at their home, but rather in college. Guess since I was still a dependent the coverage extended to me in my college rental house.
Straight renter's insurance is different though, and pretty limited to the contents of rental unit. It is really cheap, and any renter should have it, but again, it only covers contents within the 4 walls of the rental unit.
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#4
08-07-2010, 10:24 PM
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hownowners has changed a whole lot in the last 15 or 20 years. i had a tool box stolen off of my truck at a motel and it was covered. now it only covers things that never happen to you. in florida all i can afford is $2500 deductible($10,000 during a hurricane)
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#5
08-08-2010, 02:30 PM
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Another spin on this: Most trailers and items are covered by your car insurance if it was attached to the tow vehicle, If the police report doesn't mention attached to tow vehicle you can always say it was.
Some Insurance it doesn't matter if attached or not as long as it is the tow vehicle.
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Tis better to be quiet and thought a fool than open your mouth and prove it!! 1991 V-20 cuddy I/O 350 volvo duo prop, 1998 15ft Grumman 9.9 Johnson 
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#6
08-10-2010, 05:45 PM
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Another possibility, is because it was a hit and run ( and the police report says so, right?). There may not be a deductible, some policies waive the deductible for hit and runs. It's worth asking at least.
__________________
2005 Grady White Tournament 225 with a 2011 Yamaha f250
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#8
08-14-2010, 05:51 AM
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Its kinda of tricky because you could of filed a claim with your auto insurance if it was hooked up to the tow vehicle, but even if he had home owners or renters insurance it might not of covered the damaged sinced it was parked on the street and not on the property. Thats why its very important to read and understand your policy, sometime the cheapest isnt the best policy.
I have a friend who keeps his boat and trailer in front of his house on the street, he's fortunate enough to have an old 2nd truck that he leaves hooked up to the trailer just for this reason.
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