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youspinmeround

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Posts posted by youspinmeround

    Felt emo might delete

    in Sale/Trade/Wants

    Posted

    32 minutes ago, SwiftCat said:

     

     

    You liberals are impossible.

    Keep living in the programming.

    I can't help you. You probably were double masked and vaxed.

     

     

     

    Science and logic clearly aren't your strong points. 

     

    Your ebay conspiracy theories run as deep as your rigged election theories 

    Felt emo might delete

    in Sale/Trade/Wants

    Posted

    This argument is hilarious and pointless.

     

    With that said, ebay doesnt suspend accounts for selling. In fact they want you to sell more because it means more revenue for them.

     

    They limit your selling amount in first few months to make sure you didnt scam for 5k and run off, closing your accounts and leaving them stuck reimbursing the buyer.

     

    If you stuck to 1 account vs 15 that you are playing around with you would be much better off

     

    /end thread

    Insuring your collection?

    in Vinyl Collective Message Board

    Posted · Edited by youspinmeround

    3 hours ago, nate_8907 said:

    THIS 100%.

    We are in the process of building a new home (almost finished) and our Progressive insurance has ~$250k in overall "personal property', however, it has a breakdown of $500.00 for records, cds, etc. 

    In the event of a total loss, i.e. the house burns down, the $250k will include the records along with everything else. 

    In the event of stolen records, water damage, i.e. not a total loss, then the $500.00 limit applies.

    My Discogs: min $82k, med $155k, max $266k. 

     

    The estimate to add a rider to insure the entire collection in the event that there is not a total loss was somewhere around $1,200/mo, which is not worth it and I would rather take the hit of the few records someone takes/get damaged, than pay $14k/year to insure them.

     

    Moving 4,000+ LPs was not an fun or easy task, so kudos to anyone who steals all of them out from under me in less than 15 minutes.

    You need to read the fine print. Most standard policies have that 500 dollar limit for media that is off premise such as in your car etc.

     

    If its in your house, it should be up to the personal property limit.

     

    Every homeowners policy I have had has been like this and never distinguished contents based on Total loss or partial loss.

     

    With that said, I have never had Progressive as they actually don't underwrite the policy but use various other companies and entities

     

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