what's the deal with home insurance???/

in USA, down in southern california i got a rider to my home policy for around $75 a year that covered near $1/2 million in liability for my booth at art shows. (state farm insurance). generally nothing happens - so it's cheap insurance. but if your booth should blow away in the wind and take out that really nice glasswork over there it'll pay for itself in a hurry!

no one required it at any of the shows i did but when i told my insurance guy what i was doing (mainly concerned with a kiln fire) he suggested the rider.

the price is similar to renter's insurance. not too much but not bad to have either.

see ya

steve

Does that insurance rider on your booth cover product liability. If not, do you have product liability and is it also with State Farm; and if you don't mind, could you tell us how much that is costing you. My All State insurance said they don't cover product liability and I need to find someone who does, and at a reasonable price.

not product liability, just trip & fall in my booth and damage to other booths if my canope blew away.

it was around $75 a year or so. i don't worry about product liability myself. maybe i should but oh well...

steve graber

Thanks for the reply. The U.S. has gotten so "lawsuit" mad, that I think it's important to carry product liability, particularly if you are making functional ware. The problem is that one big lawsuit can wipe you out, totally, and I just don't think it's worth the risk any more.

Regards, June

I live in Austin, Texas and got renter insurance from Shawn Camp Insurance

On Tue, 14 May 2013 22:08:27 -0700 (PDT) in rec.crafts.pottery, snipped-for-privacy@gmail.com wrote,

What kind of a kiln do you have, and does the insurance company know about it?