Jump to content

Welcome. You are currently viewing the forum as a guest which does not give you access to all the great features at GolfWRX such as viewing all the images, interacting with members, access to all forums and eligiblility to win free giveaways. Registration is fast, simple and absolutely free. Create a FREE GolfWRX account here.

- - - - -

Insuring your Golf Clubs?


  • Please log in to reply
11 replies to this topic

#1 BB28403

BB28403

    Tour Winner

  • Advanced Members
  • PipPipPipPipPip
  • 919 posts
  •  
  • Member #: 369711
  • Joined: 04/06/2015
  • Location:Wilmington, NC
GolfWRX Likes : 208

Posted 11 February 2018 - 08:39 PM

What if? What if?....

Say it isn't so!

If the unthinkable happened and your clubs walked off or your car was vandalized.  What is the process like to get replacements?

I use an assortment of 3-5 year old clubs I found on eBay.  but still it would be a really big hassle to prove what they were worth and find the money to replace them.

Not to mention members on the forum who buy brand new clubs.  

What can we all do before hand to guarantee we are covered ?  

Take pictures?  Video?  Print out invoices and receipts?  I'd love to know.


Remove This Advertisement Viewing As Guest

    GolfWRX Forums

    Advertisement


1

#2 canthitathreewood

canthitathreewood

    Member

  • Advanced Members
  • PipPipPip
  • 115 posts
  •  
  • Member #: 479510
  • Joined: 08/19/2017
  • Location:Kansas
  • Handicap:0
GolfWRX Likes : 158

Posted 11 February 2018 - 09:17 PM

Take pictures of your stuff.  If you have anything that is custom or tour issue, make sure to have receipts for those items, COA's for high end putters if you can get them.  If you have anything that is custom fit, get a receipt for clubs and the fitting. Make sure your policy provides coverage for Replacement Cost Value (RCV) on your contents/personal property. If you do not have RCV coverage, your insurer only owes you the depreciated value of your clubs/bag/shoes/etc.  You can expect the insurer to depreciate at 10%/year for most golf equipment, this adds up pretty quick. If your clubs are 5 years old and you don't have RCV coverage, you'll get half the value of what it would cost to replace with like, kind and quality new items.  RCV coverage is a must!
TaylorMade R1 w/ Fujikura S Handcrafted Tour Issue Hard Stepped Spine Aligned
TaylorMade SLDR Mini 16 w/ Fujikura S 185g
TaylorMade Rescue maybe FCT 16.5
Cleveland Ta3 Gunmetal 3-5 w/ S1500 hard stepped & Cleveland Ta1 Gunmetal 6-PW w/ S2000 double hard stepped and flighted
Cleveland 588 Gunmetal 56 w/ Graffaloy ProLite & Titleist Vokey SM4 or 5 (the non-conforming model) 60 - w/ Diawa Fiberglass
Castle Bay Plush Series Iron Covers 3-LW
Odyssey Tour Rat 1W Circle T Putter
Balls - White and Soft - Titleist/TaylorMade/Condor/Srixon/Callaway
Play Hard!

2

#3 DrSchteeve

DrSchteeve

    Major Winner

  • Advanced Members
  • PipPipPipPipPipPip
  • 3,101 posts
  •  
  • Member #: 3417
  • Joined: 07/27/2005
  • Location:Scottsdale, AZ
  • Handicap:12.9
  • Ebay ID:sstclairs
GolfWRX Likes : 659

Posted 11 February 2018 - 09:29 PM

I had to make a claim once after my clubs were stolen. I think I had Allstate at the time, and there were no issues - they took my word on the clubs and the value, even included the cash I had in the bag. May depend on your insurer. Think it was covered under my homeowners, but not sure.
Callaway Epic Driver and 3 wood Matrix Red Tie 65Q4
Callaway GBB 3 wood clocked to 17 KK Silver Tini
Cobra Max 3 and 5 Hybrids
Cobra King F7 6-GW
Scratch DD 53 and 60
TM Tour Spider Day
OUUL stand bag
Volvik Vivid

3

#4 LCP

LCP

    Major Winner

  • Advanced Members
  • PipPipPipPipPipPip
  • 1,103 posts
  •  
  • Member #: 262390
  • Joined: 07/08/2013
  • Location:Houston, TX
GolfWRX Likes : 166

Posted 11 February 2018 - 10:20 PM

You mean how to get the clubs you were going to buy next year this year for the cost of your deductible?
Cobra King LTD Pro Driver (@7.5º) with Fujikura Motore Speeder 6.2 TS X, 45.375" (+0.375"), D6
Ping G Stretch "3" Wood (@13º) with Fujikura Motore Speeder 869 8.2 TS X, 43.25" (+0.25"), D6
Ping G400 2 Hybrid (@17º) with Ping Tour 85 X, 41" (+0.25"), D5
Srixon U65 3 Iron (@20º) with Kuro Kage 100HY TX, 40.125" (+0.375"), D2
Ping G30 5 Iron (@21.75º) with X100+Cushin, Maroon Dot, 40" (+1.75"), D6
Ping G30 6 Iron (@25.75º) with X100+Cushin, Maroon Dot, 39.375" (+1.75"), D7
Ping G30 7 Iron (@29.75º) with X100+Cushin, Maroon Dot, 38.75" (+1.75"), D5
Ping G30 8 Iron (@34.25º) with X100+Cushin, Maroon Dot, 38.375" (+1.875"), D7
Ping G30 9 iron (@39.5º) with X100+Cushin, Maroon Dot, 38" (+2"), D8
Ping G30 Wedge (@43.5º) with soft-stepped X100+Cushin, Maroon Dot, 37.625" (+2.125"), E2
Ping G30 U-Wedge (@48.25º) with soft-stepped X100+Cushin, Maroon Dot, 37.625" (+2.125"), E2
Ping Glide 56 WS (@54º) with soft-stepped X100+Cushin, White Dot, 37.5" (+2.25") (Lob Combo Grind), E2
Ping Gorge 60 WS (@61º) with soft-stepped CFS X+Cushin, White Dot, 37.125" (+2.125") (Lob Combo Grind), E3
Odyssey Tank Cruiser #7 (@3º), 38", 375g head weight
Grips:  Midsize with full or partial cord (varies)
Balls:  Bridgestone B330 Tour

4

#5 halliedog

halliedog

    Major Winner

  • Advanced Members
  • PipPipPipPipPipPip
  • 1,566 posts
  •  
  • Member #: 30624
  • Joined: 06/03/2007
  • Location:Akron OH
  • Handicap:5.2
GolfWRX Likes : 509

Posted 11 February 2018 - 11:33 PM

It's called a "rider", and most other than the cheapest of agencies/policies offer them.  You pay a minimal extra premium, but in the event of a loss they cover stated amount and it doesn't go against your homeowner's deductible or increase your premiums.  It's a good thing to have if you normally carry around high end merchandise in your auto or store in your home.

If memory serves correctly, last time I had one it added about $200/year to my annual premium. but as long as I had a police report pretty much anything stolen from my car/garage was covered under that separate policy, and if you could prove what you owned was worth at the time they paid full replacement value, pretty much no questions asked and no impact on your homeowner's policy.

**edit**  You do have to keep up to date records/photos in case you upgrade your clubs.  They aren't paying $2k for a set of Eye 2s you had stolen and demand a set of PXGs to replace - they aren't stupid.

Edited by halliedog, 11 February 2018 - 11:37 PM.

WITB:
TM M1 8.5* w/ Aldila Rip Alpha 45.5"  
Ping TiSi Tec 7.5* w/ Elements Chrome 43"
Callaway 13.5* Pro Deep w/ Project X V6.0
TM UDI 1, 3 w/ KBS C-Taper Lite S
TM RSi-TP 4-9 w/ KBS Tour V X
TM Rac PW - 48* w/ KBS C-Taper X
Nevada Golf Guy 53-08 w/ KBS Tour V X
TM Spider Blade 32 - 35"

5

#6 HoustonSig

HoustonSig

    Newbie

  • Members
  • Pip
  • 6 posts
  •  
  • Member #: 479706
  • Joined: 08/21/2017
GolfWRX Likes : 9

Posted 12 February 2018 - 11:15 PM

You can schedule property seperate on your homeowners policy, but it wouldn't really be worth a claim.  The insurance companies hammer you when you make theft claims.  Mast scheduled property is in expensive. For example a $15k diamond ring can be insured for about $300-400 a year.  I own a firm in Houston. Message me and I can help you out.  I know agents in just about every state.   Many of these policies offer mysterious disappearance too.  Hope this helps. You guys help me a lot on here and I'd like to help y'all back as much as possible

6

#7 Jojodimaggio

Jojodimaggio

    Tour Winner

  • Advanced Members
  • PipPipPipPipPip
  • 976 posts
  •  
  • Member #: 363909
  • Joined: 02/25/2015
  • Location:Seattle
  • Handicap:+1
GolfWRX Likes : 710

Posted 13 February 2018 - 01:09 AM

View PostHoustonSig, on 12 February 2018 - 11:15 PM, said:

You can schedule property seperate on your homeowners policy, but it wouldn't really be worth a claim.  The insurance companies hammer you when you make theft claims.  Mast scheduled property is in expensive. For example a $15k diamond ring can be insured for about $300-400 a year.  I own a firm in Houston. Message me and I can help you out.  I know agents in just about every state.   Many of these policies offer mysterious disappearance too.  Hope this helps. You guys help me a lot on here and I'd like to help y'all back as much as possible

I have a scheduled policy endorsement on my clubs for $49 a year and the great thing about scheduling is no deductible. They will accept PayPal receipts so it was great when my set was stolen 8 years ago. I highly recommend it. The one bad part is it does hit your loss report as a homeowners claim which can jack your rates

Edited by Jojodimaggio, 13 February 2018 - 01:10 AM.

Titleist 917D3 UST Gold Elements 6F5
Titleist 910fd Aldila RIP 85x
Cleveland 18 degree Mashie Miyazaki 105g
TM 3 UDI Aerotech 110x
TM P770 4-6 TM 750 7-PW Modus 120x
Tour Issue TM Milled Wedges 50,54,60 ONYX TIX100
Tour Issue Piretti welded neck
TM TP5X

7

#8 balladm

balladm

    Advanced

  • Advanced Members
  • PipPipPipPip
  • 412 posts
  •  
  • Member #: 159653
  • Joined: 02/02/2012
  • Location:Augusta, GA
  • Handicap:2
GolfWRX Likes : 83

Posted 13 February 2018 - 07:34 AM

I specifically talked to USAA about this and I would have to pay an additional fee for homeowners but my clubs are covered in my car. Therefore, I leave then in my car, mostly bc  need to practice but also they should be covered. That was with USAA.

8

#9 DrSchteeve

DrSchteeve

    Major Winner

  • Advanced Members
  • PipPipPipPipPipPip
  • 3,101 posts
  •  
  • Member #: 3417
  • Joined: 07/27/2005
  • Location:Scottsdale, AZ
  • Handicap:12.9
  • Ebay ID:sstclairs
GolfWRX Likes : 659

Posted 13 February 2018 - 04:07 PM

View Postballadm, on 13 February 2018 - 07:34 AM, said:

I specifically talked to USAA about this and I would have to pay an additional fee for homeowners but my clubs are covered in my car. Therefore, I leave then in my car, mostly bc  need to practice but also they should be covered. That was with USAA.

That refreshes my memory. My clubs were stolen from my car, so it was my car insurance that covered. Don't recall any rate hikes after claim, there was a deductible which way back when was a few hundred dollars.
Callaway Epic Driver and 3 wood Matrix Red Tie 65Q4
Callaway GBB 3 wood clocked to 17 KK Silver Tini
Cobra Max 3 and 5 Hybrids
Cobra King F7 6-GW
Scratch DD 53 and 60
TM Tour Spider Day
OUUL stand bag
Volvik Vivid

9

#10 Jojodimaggio

Jojodimaggio

    Tour Winner

  • Advanced Members
  • PipPipPipPipPip
  • 976 posts
  •  
  • Member #: 363909
  • Joined: 02/25/2015
  • Location:Seattle
  • Handicap:+1
GolfWRX Likes : 710

Posted 13 February 2018 - 10:15 PM

View PostDrSchteeve, on 13 February 2018 - 04:07 PM, said:

View Postballadm, on 13 February 2018 - 07:34 AM, said:

I specifically talked to USAA about this and I would have to pay an additional fee for homeowners but my clubs are covered in my car. Therefore, I leave then in my car, mostly bc  need to practice but also they should be covered. That was with USAA.

That refreshes my memory. My clubs were stolen from my car, so it was my car insurance that covered. Don't recall any rate hikes after claim, there was a deductible which way back when was a few hundred dollars.

Should be the home or renters insurance that covers personal property

Titleist 917D3 UST Gold Elements 6F5
Titleist 910fd Aldila RIP 85x
Cleveland 18 degree Mashie Miyazaki 105g
TM 3 UDI Aerotech 110x
TM P770 4-6 TM 750 7-PW Modus 120x
Tour Issue TM Milled Wedges 50,54,60 ONYX TIX100
Tour Issue Piretti welded neck
TM TP5X

Remove This Advertisement Viewing As Guest

    GolfWRX Forums

    Advertisement


10

#11 AThompson_3

AThompson_3

    Major Winner

  • Advanced Members
  • PipPipPipPipPipPip
  • 1,182 posts
  •  
  • Member #: 395356
  • Joined: 09/09/2015
  • Location:Northern Kentucky
  • Handicap:0
GolfWRX Likes : 473

Posted 15 February 2018 - 02:50 PM

Like others have said, schedule them on your HO policy and you will be fine. It doesn't go against HO claims and your deductible doesn't apply. I have State Farm and I think its $20/year. My sticks are updated in my sig so well worth the money.
Driver: Callaway Epic SZ 9* Fujikura Atmos Tour Spec Black 6X
3 Wood: Titleist 917 F2 15* Diamana D+ 70X
Hybrid: Titleist 818 H2 19* Fujikura Atmos HB Tour Spec Black 9X
Irons: Mizuno MP-25 4-P DGTI X100
Wedges: Cleveland RTX 3.0 50MG TI X100, 55MG TI X100, 60MG KBS 610 S+
Putter(s): Odyssey O Works 7s Black
Ball: Titleist Pro V1
Bag: Sun Mountain Four-5

11

#12 AThompson_3

AThompson_3

    Major Winner

  • Advanced Members
  • PipPipPipPipPipPip
  • 1,182 posts
  •  
  • Member #: 395356
  • Joined: 09/09/2015
  • Location:Northern Kentucky
  • Handicap:0
GolfWRX Likes : 473

Posted 15 February 2018 - 02:52 PM

You can seek payment without a deductible from your HO policy, but it will be a bit of a hassle from my experience and it could be a couple of weeks before you get any money. If you have them scheduled it is a relatively painless process.
Driver: Callaway Epic SZ 9* Fujikura Atmos Tour Spec Black 6X
3 Wood: Titleist 917 F2 15* Diamana D+ 70X
Hybrid: Titleist 818 H2 19* Fujikura Atmos HB Tour Spec Black 9X
Irons: Mizuno MP-25 4-P DGTI X100
Wedges: Cleveland RTX 3.0 50MG TI X100, 55MG TI X100, 60MG KBS 610 S+
Putter(s): Odyssey O Works 7s Black
Ball: Titleist Pro V1
Bag: Sun Mountain Four-5

12



0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users

GolfWRX Sponsors