Anyways, I got on a mental roll, and now that I'm starting to show, my paranoia is ramping up. Stories and articles about stolen tack have me thinking, How secure is my stuff? And if it got stolen then what? My saddles fit me like cinderella's shoe. I don't even want to think of losing them. But if the worst happened, I'd like to know I'm covered.
What do you pay for insurance coverage of your tack? Do you have an umbrella policy or just homeowners?
Are most policies for full replacement value or do you have to specifically choose a policy that is full value? I could imagine that arguing over the depreciated value would not likely fall in my favor.
Has anyone had the unfortunate situation of stolen/destroyed tack and filing a claim? What was your experience?