Safes For Every Situation

SentrySafe H4300SG Fire-Safe Waterproof Security File, 0.7 Cubic Feet, Silver Gray $50.28 …

SentrySafe 500 FIRE-SAFE Box, 0.15 Cubic Feet, Black $16.00 Secures home and office belongings and is UL-classified with 1/2-hour proven fire protection and ETL verified 1/2-hour fire protection for CDs, DVDs, USB drives and memory sticks up to 1550ºF. Includes a privacy key lock….

U.S. Patrol JB5076 Fire Resistant Document Bag $4.99 You may not be a State Department operative carrying crucial documents in a confidential diplomatic pouch to an ambassador, but everyone has important documents that need to be kept safe. This fire-resistant document bag is just the place to keep birth certificates, passports, property deeds, precious photos and more. It is large enough to hold legal size documents. 10in.L x 15in.W x 10in.H….

Waterproof Airtight Pill Fob Holder Med Rx Box Keychain $0.99 This heavy ounce and a half (1 & 1/2 OZ.) rugged metal pill holder has an attached keychain so that critical medications are always close by. Perfect for holding “nitro” tablets, asprin, pills or any prescriptions that must be taken during the day. Has screw-on cap with a thick O-ring seal to keep medication airtight and moisture-free. Perfect also to be used for mints, emergency cash, lunch mid-d…

Amazing AA Battery Money and Rx Stash $3.47 Amazing AA Battery Money and Rx Stash. Here at BeWild we sell many diversion safes that look like actual products, but this Amazing AA Battery Money and Rx Stash is defiantly the most discreet model to date. This diversion safe looks virtually identical to a regular AA size battery and can hold money or prescription drugs for emergency use. This battery stash can hold up to 00! A single bill fits …

Big Mouth Toys The 50/50 Bank $9.99 We are all told to be responsible and save for a rainy day…. BORING! Now with The 50/50 Savings Bank, saving coins can be fun and somewhat responsible. You just write on the dry erase board the two things you want to save for, something responsible and something fun. Then every coin you drop in randomly takes a path to one of the two compartments. When either side is full, simply twist off the…

SOE 30 Day Universal Game Card or 1,500 Station Cash $14.96 One complete card – your choice of 13 online games! SOE Game Cards are a convenient alternate payment method to purchase monthly game time or Station Cash. These cards can be used with 13 of SOE’s biggest and most played titles. Whether you play an MMO like DC Universe Online or EverQuest II, an online virtual world like Star Wars: Clone Wars Adventures or Free Realms or an online strategy game li…

Safes Cash Box
petty cash box?

What materials are they made of? Are they typically just safes? How large are they? How expensive? Is there a type of safe/box that is designated to be a Petty cash box and does it say “Petty Cash Box” on the price tag?

They are not safes. You can usually get them from stationers and some do say Cash Box on the outside. They’re made of metal and come with keys. They are quite small and can be locked in a drawer.

Stolen Cash – Only $200 Recoverable – Florida Insurance Tips

There is a section in your homeowners’ policy (including Citizens HO-3) that very few people are aware. It is called “Special Limits of Liability” under Coverage-C Personal Property Coverage. There are eleven items in this portion of your policy. You should know insurance companies limit losses of these items as mentioned below.

1. There’s a $200 limit on money, bank notes, bullion, gold, silver, plati¬num, coins and medals. This does not apply to plated flatware.
2. There’s a $1000 limit on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps. This dollar limit applies to these categories regardless of the medium (such as paper or computer software) on which the ma¬terial exists. These limits include the cost to research, replace or restore the information from the lost or damaged material. A fire-proof safe would be a good investment for you if you own these items. A bank safe deposit box is even better.
3. There’s a $1000 limit on watercraft, including their trailers, fur¬nishings, equipment and outboard engines or motors.
4. There’s a $1000 limit on trailers not used with watercraft. Most watercraft and related equipment have a much grater value and should be insured with a separate boat policy.
5. There’s a $1000 limit for loss by theft of jewelry, watches, furs, precious and semi-precious stones.
6. There’s a $2000 limit for loss by theft of firearms.
7. $2500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter. Please notice in 5, 6 and 7 the word THEFT. The limits only relate to loss by theft. If there is another type of loss such as a fire the items will be considered under the larger personal property limit.
8. There’s a $2500 limit on property on the “residence premises” used at any time or in any manner for any “business” purpose. Remember this is a homeowners policy. Business property should be covered under a separate business policy.
9. There’s a $250 limit on property away from the “residence premises” used at any time or in any manner for any “business” purpose. However, this limit does not apply to loss to adaptable electronic apparatus as described in Special Limits 10 and 11 below.
10. There’s a $1000 for loss to electronic apparatuses, while in a car or other motorized vehicle, if the item is operated by battery or home electricity while retaining its capability of being operated by other sources of power. Electronic apparatus includes:
    • Accessories or antennas; or
    • Tapes, wires, records, discs or other media; for use with any electronic apparatus.
11. There’s a $1000 limit for loss to electronic apparatuses, while not in a car or other motorized vehicle, if the item is operated by battery or home electricity while retaining its capability of being operated by other sources of power.
    • Is away from the “residence premises”; and
    • Is used at any time or in any manner for any “business” purpose.

    Electronic apparatus includes:

    • Accessories and antennas; or
    • Tapes, wires, records, discs or other media; for use with any electronic apparatus.

    The important point is that these items are considered business property and that’s why they’re limited to $1000. They should be covered by a business policy.

    Now that football season is over and you are looking for something to occupy your time, try leaning back in your recliner with a cool drink and reading your homeowners policy. Ha! Ha! However the wise thing to do is to review and inventory your personal property, such as money, guns, securities, deeds, jewelry and other items mentioned above in your home. If you have high value in any of these items, you should contact your agent for special coverage, find a safe deposit box and/or obtain a fire-rated safe for your home.

About the Author

Robert “Bob” Fowinkle, CIC, CLU is the president of Moore, Fowinkle, & Schroer Agency in Bradenton.

Call Moore, Fowinkle, & Schroer Agency at 755-2628.

E-mail = popeye10@verizon.net