Are your Chanels insured?
- Thread starter mezmari
- Start date
my bags are insured on my household policy automatically but if something is over £1,500 (approx $3000) it has to be listed seperatly. Keep all reciepts and take photos of yourself with the bag as when it comes to making a claim it is so much easier.
Oh and make sure your insurance company does a "like for like" policy, which means if the item you are claiming for is a Chanel you will get a Chanel back or a cheque for the total cost of the bag/item and not just a portion!
Hope this helps x
Oh and make sure your insurance company does a "like for like" policy, which means if the item you are claiming for is a Chanel you will get a Chanel back or a cheque for the total cost of the bag/item and not just a portion!
Hope this helps x
I was talking to a friend and she asked about my purse collection. We added it all up (Chanel and non Chanel) and she asked if they were insured. Can you add a handbag collection to your insurance considering they depreciate? Has anyone done this or thought about it? Is this silly or smart thinking considering some of us have serious collections? 
Not to be a bother... but I was interested in this. (I'm kind of paranoid, and really 
33 my bags) -how would someone go about doing this? -It would need to be through your homeowners insurance? TIA!
Sorry, I'm 24, and *very clueless*
about all of this insurance stuff. (Ugh, that's no excuse though... 24 is pretty old now that I think about it) LOL
33 my bags) -how would someone go about doing this? -It would need to be through your homeowners insurance? TIA!Sorry, I'm 24, and *very clueless*
about all of this insurance stuff. (Ugh, that's no excuse though... 24 is pretty old now that I think about it) LOL
Did you have to take a photo of them or provide receipts? Our wedding bans were rolled into our homeowners insurance after we got married and I had to provide a photo (in addition to appraisal). Thank you again for the info. 
. Thanks GG.
I too like Regina...Have my bags insured through my homeowners insurance...I have too many not to....However, if I only had one or two I would weigh the pros and cons...However, if you have several regardless of the designer I would consider insuring them...
for those of you have it insure on Homeowners please be don't forget about your deductible, usualy 1% of your house. Ask your insurance if it's possible to have a Valueable Property insurance for pricey items such as jewls, antique and collections. I personally have a retner's insurance at replacement value (the cost to replace, different than auto insurance's depreciation value) that includes my bags w/fairly low deductible. different insurance have different policy about proof of ownership, but I take pix and scanned receipts to make digital copy of what i have.
Generally handbag collections cannot be scheduled on a Homeowners/Renters Insurance policy in the same manner as Jewelry, Fine Arts, Furs, etc...unless the insurance company allows you to itemize under Miscellaneous Items. Your handbag collection is covered under Coverage C-Personal Property/Contents of your Homeowners/Renters Insurance policy; subject to the covered perils & deductible. It is recommended to take photos of each room, collection, etc. & copies of receipts for your more valuable items (handbag collection, clothing, shoes, jewelry, etc.) to show date of purchase & price. This will help expedite the claim process. It's simple to store everything onto CD/Zip Drive, etc. & putting that in a safe fireproof place.
You'd be surprised how much you actually have & how much you forget in the event of a fire, theft, windstorm, etc. You'll want to contact your Homeowners Insurance agent to further discuss as each state/country have different underwriting guidelines.
You'd be surprised how much you actually have & how much you forget in the event of a fire, theft, windstorm, etc. You'll want to contact your Homeowners Insurance agent to further discuss as each state/country have different underwriting guidelines.
