I have been encouraging you to take your modeling to the public via train shows, exhibits, open houses etc. since the creation of this list.
It recently dawned on me (like a few days after my former specialized insurance coverage expired) that some of you might be reticent to go 'PUBLIC' as it were due to concerns about potential loss or damage to your hobby materials. I also have such a preoccupation. In fact I wouldn't think of traveling with or exhibiting the Val Ease Central without adequate insurance coverage. I thought that I would share with you the plan that I have adopted.
The National Model Railroad Association (NMRA) despite its many irritatants does have a couple of redeeming features, one being the group insurance program for model railroads. The NMRA has negociated a very flexible and affordable plan with:
J.A. Bash & Company
300 Mt. Lebanon Blvd., Suite 225
Pittsburgh, PA 15234-1509
Toll free phone in the USA: 1-800-654-2256
Telephone: 1-412-563-7007 or 563-7300
ask for Mr. Tim Maier
The plan available in the USA and Canada offers three types of coverage which may be combined however you wish.
2. Blanket Coverage
3. Layout Coverage
The minimum premium is $100 US plus $10 fee to the NMRA with a $250 deductible.
The minimum premium will buy the following coverage:
1.Inventory Coverage: $16,666 US
2. Blanket Coverage: $13,333 US
3. Layout Coverage: $16,666 US
Tthe plan also covers losses up to $15,000 while traveling (which allows me to sleep at night!). The blanket coverage includes everything that you own related to your hobby, such as books, tools, photos, electronics, etc. This policy will also cover other collections of a lesser value than the primary model railroad collection (I added my wife's rubber stamp collection under the inventory plan).
The brochure offers full details and you can easily contact the agent with questions. Unfortunately there is no fax number or web site. You must call and request the application and documentation. This insurance program is worth the cost of joining the NMRA at its minimum fee structure if your are not already a member. Mr. Maier also told me that there are similar plans available for members of the TCA and other associations.
I'm sure that many of you are interested in adequate insurance coverage for your collections even if your trains stay put at home.