renter's insurance
Sep. 12th, 2009 05:04 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
samsamkaReading my renter's insurance policy is hilarious! If you have homeowner's or renter's insurance of any kind, I encourage you to read it. It's truly amazing to read it and think "someone had to be hired just to think about all the horrible things that could happen to someone's house, JUST IN CASE!
For example, my insurance policy specifically states that, while it will cover damage due to a volcanic explosion, it will not cover:
WAR, including the following and any consequence of any of the following:
a. Undeclared war, civil war, insurrection, rebellion, or revolution;
b. Warlike ct by a military force or military personnel; or
c. Destruction, seizure, or use for a military purpose.
Discharge of a nuclear weapon will be deemed a warlike act even if accidental.
That's right: someone writing this totally was thinking "okay, but what if someone's house gets destroyed by a nuclear bomb... by accident???" Also note the implication there that if my building gets destroyed by a CONVENTIONAL bomb that was accidentally discharged, that's covered! I guess considering that's actually happened in my current city, it's an important consideration.
In addition, I'm not insured for the results of a "nuclear reaction, radiation, or radioactive contamination, or any of the consequences of any of these." This kind of DISCRIMINATION against people who live near nuclear plants is exactly why we don't have nuclear power right now! If a coal-burning plant exploded near my building and set fire to it, I'd be covered, not if I'm living near a nuclear plant? CALL YOUR CONGRESSPEOPLE, GUYS. Also, seriously, what's with the fact that I'm covered for volcanic explosions but not earthquakes or floods? WTF?
For example, my insurance policy specifically states that, while it will cover damage due to a volcanic explosion, it will not cover:
WAR, including the following and any consequence of any of the following:
a. Undeclared war, civil war, insurrection, rebellion, or revolution;
b. Warlike ct by a military force or military personnel; or
c. Destruction, seizure, or use for a military purpose.
Discharge of a nuclear weapon will be deemed a warlike act even if accidental.
That's right: someone writing this totally was thinking "okay, but what if someone's house gets destroyed by a nuclear bomb... by accident???" Also note the implication there that if my building gets destroyed by a CONVENTIONAL bomb that was accidentally discharged, that's covered! I guess considering that's actually happened in my current city, it's an important consideration.
In addition, I'm not insured for the results of a "nuclear reaction, radiation, or radioactive contamination, or any of the consequences of any of these." This kind of DISCRIMINATION against people who live near nuclear plants is exactly why we don't have nuclear power right now! If a coal-burning plant exploded near my building and set fire to it, I'd be covered, not if I'm living near a nuclear plant? CALL YOUR CONGRESSPEOPLE, GUYS. Also, seriously, what's with the fact that I'm covered for volcanic explosions but not earthquakes or floods? WTF?
