Personal Property Declaration Short: Fill & Download for Free

Yes… worse actually. but karma…I was working in a small tech contract- consulting company, with seven employees and one boss/owner. It was a cool place. I had only been there for a few months and although I was painfully shy at the time, everyone was kind and friendly to me. But I soon found out from others the boss frequently lied, and also took credit for other people’s work and ideas.One day my paycheck was short, by quite a bit. I discussed privately with the boss, who, instead of offering to fix it, gave me a string of lies, with a slight smirk. I called him on the lies, and he fired me on the spot. No problem… I had other more promising opportunities anyway and was quite relieved. I was not angry, neither did he appear to be.I walked out to my desk, which was in a common area smack dab in the middle of all the offices. So everyone had a clear, center stage view of what happened next.I opened my workbench drawer to get my stuff.The boss closed the drawer, “What are you doing?!”, he demanded.“I’m getting my Walkman.”, I said, opening the drawer again.“That’s company property!”, he asserted, closing the drawer again.“The Walkman is my personal property. I brought it from home. I’ll show you.”, I replied, opening the drawer.“The desk is company property and you can’t touch it.”, he declared, closing the drawer again.“I just want my Walkman, it’s in there.”“Why did you put your personal property in the company drawer?” he challenged me.“Because you said you didn’t want us to put too much stuff on the workbench. You told us to put stuff away, especially when clients come to visit.”. “Can I just get my Walkman now?” I sensed everyone else watching us, perplexed as I was. That gave me strength. I opened the drawer again.He shut the drawer quickly. Since he was much taller than me, I did not fight. “How do I know you’re not going to steal company property when you get your things?”“You’re standing right there! I just want my Walkman. You can watch me.”“You should not have been using company property to store your personal stuff!” To which I momentarily thought about how many times I'd put my lunch in the company fridge.By then it was fairly obvious everyone else had stopped working. There were no more keyboard clicks. Dead silence except for one squashed-bug bad comedy, “Whose line is it anyway” style.A few more bad lines went by. Then boss guy finally said, “I’ll have someone bring it out to you in the parking lot.”“Fine”, I replied to the sanest thing he said all day.I waited in the parking lot and Joe came out with my Walkman. Joe was one of the nicest people I've met, so we chatted a bit, and then said our goodbyes.…Six months later, I ran into Joe at the grocery store. “Hey Andrew??”, he said with a smile, “Guess what, I just quit, and I have a better job lined up.”. We discussed his new job for a while. I was so happy for him, he deserved it. Then his smile grew even bigger, “I have something else to tell you.”, he said almost in a whisper…“Yes?”“A month after you got fired, Peter quit in protest of your firing.”“Really??!”. Peter, an extremely talented, nice, and productive engineer was the company’s first employee. I knew he wouldn’t quit because of my firing, but he would have seen what the future held that fateful day.“Yes! And then… Robert quit in the next month. And then…”“WHAT HAPPENED?” I blurted out.“Everyone else quit, around one a month. I was the last.”Wow. Karma…

If you have a homeowners policy that “won’t cover anywhere near the cost of the instrument” it’s time to shop around. Unless this is a very unique or uber expensive piano, the average, plain vanilla insurance policy should provide the coverage you seek.“What’s the best way to insure a piano?”Insure it under your Homeowners policy Personal Property:I’m tempted to say “all” here, but at least the vast majority of homeowners insurance policies will cover a piano as Personal Property without an inside limit on the amount of coverage. In short, that means a piano can be afforded the entire limit of coverage for Personal Property (Section 1, Coverage C) on your home insurance policy.A homeowners policy’s personal property limit is usually a percentage (50–75%) of your dwelling amount. IE: Dwelling limit: $179,000, Personal Property limit: $125,300. If that limit isn’t high enough you can almost certainly increase it. (See example declaration page below)Insure it under a Musical Instrument or Personal Articles Inland Marine Floater:A musical instrument floater is usually preferred by those who use instruments professionally or if the instruments are taken off premises frequently. Depending on the type of piano, or other unique needs, this type of coverage is likely not necessary.For more information on a personal article floater and it’s appropriateness versus a homeowners policy see: Personal Articles Floater - Is it Necessary?A plain vanilla, frequently purchased, HO-3 Homeowners Insurance policy should be able to provide the following for your piano:Coverage for numerous and most frequent types of loss (broad form perils) to the pianoLoss Settlement at the cost to replace the pianoWithout a limit to that settlement except for the overall Personal Property (Coverage C) limit on the policy.If your current homeowners insurance policy won’t respond as outlined above, it is time to shop for either a new agent and/or a new policy.It might be time to talk to an agent who has access to and can shop from, many different home insurance companies and programs. That kind of agent is called an Independent Insurance Agent and I’m quite certain one could find the coverage you seek for your piano.Thanks for the A2A.

I like short answers that open the door to further research. Several of the men who signed the Declaration of Independence use their personal resources. George Washington pawned much of his personal property to feed and pay soldiers at Valley Forge. It was a near thing financially till the French entered with money, ships and munitions. The debt incured by France for thier help accelerated the events bringing on their revolution.