Anytime you get an email from your house/auto/boat insurance company that starts out: Dear Mr. Bulger, Upon review of your account we can no longer offer coverage on your blah blah blah. The reason? "Because you will no longer be living in the state". I guess I didn't give a lot of thought to the issue because I have sold the house a car and fully intend to sell the remaining truck prior to leaving in mid August. It just caught me by surprise that: a. They (the insurance company) made the determination I was leaving the state and took this action with no interaction with me. I wasn't called, asked for details or departure plans, simply told that on these dates my coverage would cease. b. They are canceling my boat (31 Camano currently for sale), House (sold, closes on the 19th) and cars (sold one today, selling the truck in a few weeks). c. The only way the insurance company could have come to this conclusion is based on conversations I had with my agent, where I loosely described our plans. Again, for me this isn't an issue, at least not a big issue. But, had I hoped to keep a car and garage it with a family member, or had the house sale not been complete, I would have been in a world of hurt. I would have gone ahead and left with the house on the market and a family member having power of attorney to sign any house sale or closing documentation. In summary, those of you planning on departing for extended cruises, be very careful about your assumptions about assets left behind, especially if there is an insurance company involved. Scott Bulger, Alanui, N40II, Seattle WA

Not to get "lawyerly" with you, but -- despite the common perception by most people, a great number of times what your believe is "your" agent, is actually the agent of the insurance company, so telling him/her is telling the insurance company. only if you went to a true independent agent is the agent "yours." alan Alan Wagner Tampa, Florida envious with every post I read from you!! ----- Original Message ----- From: "Scott Bulger" <scottebulger@gmail.com> To: <passagemaking-under-power@lists.samurai.com> Sent: Friday, July 13, 2007 1:13 AM Subject: [PUP] Voyaging and insurance at home, unexpected consequences > Anytime you get an email from your house/auto/boat insurance company > that starts out: > > Dear Mr. Bulger, Upon review of your account we can no longer offer > coverage on your blah blah blah. The reason? "Because you will no > longer be living in the state". > > I guess I didn't give a lot of thought to the issue because I have > sold the house a car and fully intend to sell the remaining truck > prior to leaving in mid August. It just caught me by surprise that: > > a. They (the insurance company) made the determination I was leaving > the state and took this action with no interaction with me. I wasn't > called, asked for details or departure plans, simply told that on > these dates my coverage would cease. > b. They are canceling my boat (31 Camano currently for sale), House > (sold, closes on the 19th) and cars (sold one today, selling the truck > in a few weeks). > c. The only way the insurance company could have come to this > conclusion is based on conversations I had with my agent, where I > loosely described our plans. > > Again, for me this isn't an issue, at least not a big issue. But, had > I hoped to keep a car and garage it with a family member, or had the > house sale not been complete, I would have been in a world of hurt. I > would have gone ahead and left with the house on the market and a > family member having power of attorney to sign any house sale or > closing documentation. > > In summary, those of you planning on departing for extended cruises, > be very careful about your assumptions about assets left behind, > especially if there is an insurance company involved. > > Scott Bulger, Alanui, N40II, Seattle WA > _______________________________________________ > http://lists.samurai.com/mailman/listinfo/passagemaking-under-power > > To unsubscribe send email to > passagemaking-under-power-request@lists.samurai.com with the word > UNSUBSCRIBE and nothing else in the subject or body of the message. > > Passagemaking Under Power and PUP are trademarks of Water World > Productions, formerly known as Trawler World Productions.