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Baggage Insurance

Baggage Insurance

Old Nov 25, 19, 3:47 pm
  #1  
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Arrow Baggage Insurance

Good afternoon!

I'm looking to purchase baggage insurance for r/t travel in the US. My concern is that I have approximately $6,500 of "stuff" in one Pelican case. The "stuff" can't be broken down into multiple Pelican cases. Also, flying with it checked in is less burdensome and more secure than shipping via common carrier.

Thoughts?

-C (PM me if you want to know what the stuff is!)
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Old Nov 25, 19, 5:33 pm
  #2  
 
Join Date: Jun 2019
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Have you spoken with your insurance agent about getting a personal property rider on you home owner's insurance for these items? Of course you'd have to double-check the fine print to make sure loss is still covered while the items are in checked luggage but I think that will be an easier and cheaper route than getting a baggage-specific policy.

Last edited by ordx; Nov 25, 19 at 5:43 pm
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Old Nov 26, 19, 12:22 pm
  #3  
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I spoke with my insurance agent; on my current policy, there is a moderatley low limit for these items. I will be looking into a scheduled personal property rider for coverage, and that can include while traveling.

But back to the original question: If it's possible, where would a baggage coverage policy, for the noted amount, be found?

-C
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Old Nov 26, 19, 12:37 pm
  #4  
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Originally Posted by jsds View Post
I spoke with my insurance agent; on my current policy, there is a moderatley low limit for these items. I will be looking into a scheduled personal property rider for coverage, and that can include while traveling.

But back to the original question: If it's possible, where would a baggage coverage policy, for the noted amount, be found?

-C
AA, for example, offers additional baggage insurance for a fee, but it appears that the coverage is limited to $5,000:

https://www.aa.com/i18n/travel-info/...imitations.jsp

I'm not sure why you think that checking baggage on an airplane is more secure than using a common carrier. Registered mail is probably the most secure way of sending anything across the country, but it tends to be slow.

If you check your baggage with an airline, TSA can open it for inspection. If they do, and fail to lock the case afterwards, it would be relatively easy for airport workers to pilfer items from the case.

Do these items have sentimental value, or would you be OK being reimbursed should they not arrive? If the latter, and assuming that you have the necessary receipts to prove value, I would use FedEx or UPS, select the delivery speed you want, and pay for the additional insurance. You can even request that the case be held at a FedEx or UPS location, if there won't be a secure place for you to receive the delivery.
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Old Nov 26, 19, 1:40 pm
  #5  
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Thanks for the information. I looks like AA has slightly beter coverage than Delta. Regarding TSA, they x-ray and hand-inspect the container, and then I place the "non-TSA Compliant" padlocks on it.
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Old Nov 26, 19, 3:04 pm
  #6  
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Originally Posted by jsds View Post
Regarding TSA, they x-ray and hand-inspect the container, and then I place the "non-TSA Compliant" padlocks on it.
That's not an option at every airport, but if it is at both of your origination airports, that's great.
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