Stolen trailer update

[jsharr ★]

Church insurance does not cover trailer.

It does cover the contents.

Deductible is $5000.

Looks like we are buying a trailer and all new gear for the Cub Scouts.

Started a go fund me.

https://charity.gofundme.com/o/en/campaign/pack-262-trailer-fund

[sheep_herder ★]

Just curious, what is the value of the equipment normally kept in the trailer? 

[Wilbur ★]

3 minutes ago, sheep_herder said:

Just curious, what is the value of the equipment normally kept in the trailer? 

I was wondering the same because I have this used trailer for sale.. 

[jsharr ★]

22 minutes ago, sheep_herder said:

Just curious, what is the value of the equipment normally kept in the trailer? 

Less than 5 grand.   Two big propane grills, side burner, lanterns , pots pans cutlery three big coolers, water jugs, etc 

[jdc2000]

You need to add one of these to your list of items for the trailer:

https://www.amazon.com/Towpower-72783-Universal-Adjustable-Heavy-Duty/dp/B0008FUH46?source=ps-sl-shoppingads-lpcontext&psc=1

https://www.amazon.com/Master-Lock-Universal-Couplers-Trailer/dp/B01MYCT0LG/ref=lp_15737391_1_5?s=automotive&ie=UTF8&qid=1577388702&sr=1-5

https://www.amazon.com/Master-Lock-470-377DAT-Nickel-Coupler/dp/B0000AXRMU?ref_=Oct_RAsinC_Ajax_15737391_3&pf_rd_r=TW9R245VJEMD7K28B945&pf_rd_p=39f13923-3e25-5de1-8c60-2a26f7f6f72a&pf_rd_s=merchandised-search-6&pf_rd_t=101&pf_rd_i=15737391&pf_rd_m=ATVPDKIKX0DER

 

[Ralphie ★]

Just now, jsharr said:

Less than 5 grand.   Two big propane grills, side burner, lanterns , pots pans cutlery three big coolers, water jugs, etc 

What aboot all those gold bars and Google stock certificates?

[maddmaxx ★]

53 minutes ago, Wilbur said:

I was wondering the same because I have this used trailer for sale.. 

Is it full of camping gear?

[sheep_herder ★]

3 hours ago, jsharr said:

Less than 5 grand.   Two big propane grills, side burner, lanterns , pots pans cutlery three big coolers, water jugs, etc 

Then, why have insurance if the trailer is not covered, and you have a $5,000 deductible, unless it is tied to a liability policy? Maybe use the premium to purchase locks like jdc2000 suggested. Just curious, is one of your leaders an insurance salesman?

[Scrapr ★]

done and done

Happy scouting

[Page Turner]

[jsharr ★]

32 minutes ago, sheep_herder said:

Then, why have insurance if the trailer is not covered, and you have a $5,000 deductible, unless it is tied to a liability policy? Maybe use the premium to purchase locks like jdc2000 suggested. Just curious, is one of your leaders an insurance salesman?

Not our policy.  Pack equipment is owned by the church.  Have inquired about getting our own policy on new trailer.  We had never asked about deductible or coverage 

Had wheel locks, tongue lock, door locks.

 

[MickinMD ★]

I chipped in a little.,,

...even though I couldn't find the check-off box where it said that if you sell this trailer before I die, it's mine.

[jsharr ★]

1 minute ago, MickinMD said:

I chipped in a little.,,

...even though I couldn't find the check-off box where it said that if you sell this trailer before I die, it's mine.

Thank you sir.

[Razors Edge ★]

16 hours ago, jsharr said:

We had never asked about deductible or coverage 

What part of "Be prepared" is foreign to you????

[jsharr ★]

7 minutes ago, Razors Edge said:

What part of "Be prepared" is foreign to you????

 

we asked the church if they had insurance or if we needed to get insurance.  Were told they had insurance.  This will be rectified when the trailer is replaced.  Scouting is sort of weird in that the Pack or Troop has to be chartered by a civic organization in the community and the charter organization owns all Pack or Troop equipment.    We had only had this trailer for a few years and just never thought to check on coverage or deductible.  I imagine this was a new situation for the church too and that the Scout Troop there that has 3 big trailers with much more equipment in them will be checking their coverage too.

[Razors Edge ★]

2 minutes ago, jsharr said:

 

we asked the church if they had insurance or if we needed to get insurance.  Were told they had insurance.  This will be rectified when the trailer is replaced.  Scouting is sort of weird in that the Pack or Troop has to be chartered by a civic organization in the community and the charter organization owns all Pack or Troop equipment.    We had only had this trailer for a few years and just never thought to check on coverage or deductible.  I imagine this was a new situation for the church too and that the Scout Troop there that has 3 big trailers with much more equipment in them will be checking their coverage too.

It's the church's business/property insurance, not against some auto policy, correct?  Is there a chance there is some cross-policy coverage?  I'm thinking that trailers have license plates, and someone (unlikely the troop) has to do that registration, so maybe the car policy associated with them would apply?  Or, at least, in the future?  I've never owned a trailer, but I would have thought my car insurance, not my home owners insurance, would be on the hook if the trailer was stolen or damaged.

In any case, you know I am just poking.  It is one of those "who knew" sort of things.

[BR46]

21 hours ago, jsharr said:

 Have inquired about getting our own policy on new trailer.  We had never asked about deductible or coverage 

Had wheel locks, tongue lock, door locks.

 

Wo46 and I were just talking about the race trailer and looking into exactly what the insurance policy covers. We were sitting at the last race of the year when someone was saying that they had their trailer stolen from a hotel on their way to the race. 

[jsharr ★]

Just now, BR46 said:

Wo46 and I were just talking about the race trailer and looking into exactly what the insurance policy covers. We were sitting at the last race of the year when someone was saying that they had their trailer stolen from a hotel on their way to the race. 

thieves suck.