Topic: what constitutes an act of god (insurance content)

[J.Maye]

Not to be a dick to the OP, but if you dont feel comfortable picking up the phone and calling the guy who you'll call if something actually does go wrong..................................................................You might want to shop around. I know my stuff is covered if it's in the house with my renters. If at the club and a beer ends up in the bag too bad so sad unless I get a rider for the rear much like a ring, which Im rolling the dice on. 

[spcyrfc]

Not to be a dick to the OP, but if you dont feel comfortable picking up the phone and calling the guy who you'll call if something actually does go wrong..................................................................You might want to shop around. I know my stuff is covered if it's in the house with my renters. If at the club and a beer ends up in the bag too bad so sad unless I get a rider for the rear much like a ring, which Im rolling the dice on.

i dont see this as being a dick, but not so relevant to the original post.  i dont have anyone to call yet, and when i do, i will shop around as people have suggested.