I am curious about how to best insure our carseats. (In case something happened).
Carseat replacements go under our homeowners, Allstate says. I thought it was Auto. Weird.
We have a $1,000 deductible for home owner's, so if we crashed in a parking lot (and I know there can be a lot of force even at low speeds), and let's say I want to replace the seats, well, we'd have to pay $1,000 (!) just for my peace of mind, and they'd cover the rest.
So for $35 more I lowered our deductible to $500. So now we'd pay $500. There are close to $2,000 worth of seats in the car.
So is that the best way to do this? Of course in a major accident, we'd pay the deductible to cover the thousands of damage to the vehicle. But in a minor accident, it's very costly to replace seats, in a sense. Make sense? I kind of need to insure the carseats. (And I know Orbit has a replacement program, but it's not free, either).
Carseat replacements go under our homeowners, Allstate says. I thought it was Auto. Weird.
We have a $1,000 deductible for home owner's, so if we crashed in a parking lot (and I know there can be a lot of force even at low speeds), and let's say I want to replace the seats, well, we'd have to pay $1,000 (!) just for my peace of mind, and they'd cover the rest.
So for $35 more I lowered our deductible to $500. So now we'd pay $500. There are close to $2,000 worth of seats in the car.
So is that the best way to do this? Of course in a major accident, we'd pay the deductible to cover the thousands of damage to the vehicle. But in a minor accident, it's very costly to replace seats, in a sense. Make sense? I kind of need to insure the carseats. (And I know Orbit has a replacement program, but it's not free, either).