On this mornings news I heard about yet another cemetery vandalized in the South Bend Area. I do not recall the town or name of the cemetery. In the news report they did mention some of the stones would be repaired with proceeds from home owners insurance. I got the impression this headstone is not located on someone's personal property. Which brings up the question how can they claim headstones on their homeowners insurance. Cindy L. Frie (skifri)

Hello, This will vary from company to company, and each person will need to check with their insurer to see if this applies to their policy. I checked with My Homeowners Insurance company, Farm Bureau Insurance (United Farm Family Mutual Insurance Company) and this is what they told me: Headstones for immediate family are covered as "personal property and outdoor equipment an insured owns or uses while it is anywhere in the world". More specifically, "individual or family cemetery plots or burial vaults that the insured owns". My agent defined "immediate family" as myself, my spouse, and children. If I owned the plot and marker for grandparents or other family members, they would be covered, too. The key is, the insured must own the plot and markers. In other cases, it can be covered by a rider to your policy, or having a separate policy to cover the property. Remember, this will vary from company to company and each person should check with their agent to see if their homeowners policy has this coverage. Ernie Lasley, Coordinator Gibson County PCRP PCRP Page: http://members.sigecom.net/elasley/inpcrp/index.html Cemeteries Page: http://www.usroots.com/~jmurphy/gibson/gibcem/gibcem.htm At 05:22 PM 01/22/2002 -0500, Dale J. & Cindy L. Frie wrote: >On this mornings news I heard about yet another cemetery vandalized in the >South Bend Area. I do not recall the town or name of the cemetery. In the >news report they did mention some of the stones would be repaired with >proceeds from home owners insurance. I got the impression this headstone is >not located on someone's personal property. Which brings up the question how >can they claim headstones on their homeowners insurance. > >Cindy L. Frie >(skifri) > > > >==== INPCRP Mailing List ==== >If we cannot respect the dead, how can we respect the living?