does anyone here have insurance on their bottles?

suburban cowboy said:

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does anyone here have insurance on their bottles?

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Some dude in Austin got his storage unit broken into and they stole a bunch of his bottles.

Can you even report that to the police? "Hey someone stole all my bourbon that I got off the black market"

Then you have to convince the insurance company on the current secondary values?

I guess you could claim VVP on it like you would your wife's wedding rings and jewelry.

Aggie Therapist said:

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suburban cowboy said:

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does anyone here have insurance on their bottles?

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Some dude in Austin got his storage unit broken into and they stole a bunch of his bottles.

Can you even report that to the police? "Hey someone stole all my bourbon that I got off the black market"

Then you have to convince the insurance company on the current secondary values?

I guess you could claim VVP on it like you would your wife's wedding rings and jewelry.

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Not sure why it wouldn't be a thing? As you said, not really different than jewelry, guns, etc.

I've looked into it for wine. It's out there, but the main ones I found required you to have homeowners with them and those weren't competitive.

Found this:

"You may wish to insure each bottle separately if your collection contains individual high-value whiskey bottles (traditionally called "scheduling"). Scheduling is the more traditional approach to insuring valuable collections, especially when insuring whiskey collections.

Blanket insurance coverage is more of a modern and "catch-all" approach. With it, you have an aggregate amount of coverage, and it is associated with a per-item limit, or in this case, a per bottle limit. Once your aggregate is met, coverage ends. Blanket insurance can be more attractive for consumable whiskies because you don't necessarily have to notify your broker every time you buy, sell, or enjoy a bottle. As long as you stay within your aggregate and per-item limit, this coverage strategy works."

https://www.thehortongroup.com/personal/high-net-worth/hobby/whiskey-collection-insurance/

Thanks, man. I'm going to look into the cost.

Please do! That would be great of to share your findings with us.

We are moving this summer so I might be interested in some peace of mind during moving my whole collection.

I've got a place you can house anything you need. I'm happy to help.

Hmmmm…..what are the odds of bottles going missing…

How many bottles on average do the fellas (or ladies) here have? I have between 15-20 at one time unless I find something I just have to have or is super rare.

When I moved cross country moving companies explicitly said they won't move alcohol. And if you.box it and don't tell them and something breaks/leaks, they won't cover losses.

Tksymm7 said:

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How many bottles on average do the fellas (or ladies) here have? I have between 15-20 at one time unless I find something I just have to have or is super rare.

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I have seen some intense bunkers from people over the last few years.

Most I've seen in person was 350 bottles. Two rooms and garage.

Oh his actual drinking stock was in his bar area.

This is insane, but hey if it's that guys hobby then so be it!

I have 14 bottles currently. Only 2 aren't open and that because they are earmarked for birthday presents.

Depends on how good your inventory tracking is.

Booze in general? About 40

Of that probably 12 bourbon, 8 whiskey, 4 scotch, 2 tequila, 4 vodka, 10 is a variety of brandy, gin, rum, liqueurs, etc.

I only have decent tabs on everything because I just moved all of it

AgCzar said:

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I don't even know, but it's way too many. I crack everything and I'm not good at killing bottles. I like to drink a small pour of multiple things most of the time.

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This. The last time I counted it was around 150 but that's been at least a year ago.

New Year's Resolution = actually finish bottles

I counted 46 whiskey or bourbons on my shelf - 40+ cracked.

This is a good number I think and pretty close to my house. Less non-whiskey for us though. I don't think I could ever have more than 50 though.

We're working on that too.

You win!

Opened - 12
Unopened - 26

I've started trading samples with people to try things instead of buying bottles. Helps me kill the bottles I have and figure out which ones are worth hunting.

Rough count of 35 whiskey/bourbon bottles, with about 6 or 7 unopened. Need to work on killing a few that were cracked a while ago. Also have about another 10 bottles of tequila, vodka and gin.

2

1 open

That's a great way to do it. Sounds like a good time.

About the same.

I have 3 bottles and one open.

Hi friend

Open. Redbreast Cask , Bushmill 10 , Laphroaig and EC private barrel

Unopened. 2 Blantons and a 1.75 Weller 12

Because he LIES!!!!!