Burglary and West Point Ring

AROTC-dad

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Cutting through alleyways, through the neighborhood. Scared the poo out of them. Eventually jumped out and got them. Gave him a PIECE of my mind. “Why do you think it’s ok to just TAKE from someone else?” Pretty sure I made an impression. Made him load it back into my car.
Actually, you showed remarkable restraint. ;)
 

Sandydesert

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Aug 10, 2016
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Let pawn shops know the ring and sword were stolen. The police detective who took the report may have a way to inform pawn shops. If not, call and visit the shops to let them know the items are stolen. Take copies of pictures of both items if you have pictures to show the manager and employees. The thief may try to pawn them. Keep an eye on ebay for anyone selling them.
 

justdoit19

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Apr 9, 2017
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Let pawn shops know the ring and sword were stolen. The police detective who took the report may have a way to inform pawn shops. If not, call and visit the shops to let them know the items are stolen. Take copies of pictures of both items if you have pictures to show the manager and employees. The thief may try to pawn them. Keep an eye on ebay for anyone selling them.
True story: my sons ipod (it’s been a while) was stolen. It was a unique white one. I watched Craigslist. Guess what showed up for sale?

My friend and myself set up our own sting as interested buyers. Had the police in on it, they waited around the corner, I pretended to call DH (it was actually the officer) with a code phrase if it was sons (after checking serial number on the item). That actually was a pretty satisfying evening. We felt like Cagney and Lacey, complete with packing nerf guns. But we got the thing back.

Just an interesting anecdotal story. But for real, watch Craigslist too. I hope the items turn up. Can’t imagine what someone without a connection with want with them.
 

Anschutz

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Feb 13, 2020
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I would say get the insurance at the Academy. My Firstie year I went hunting and moved my mountain bike from the cab of my truck to the bed. I got back to Clinton lot and forgot to move my truck that night (Sunday into Monday). I really didnt want to walk hours for unauthorized parking and when I went to move my truck the bike was gone. $100 deductible for a $1400 bike was worth it to me.
 
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If this is an object lesson for buying renters'/homeowners insurance, I'd say the loss of a ring other small personal items are not worth the trouble of filing a claim. Filing a claim more than once every 10 years is risky. Unless the dollar amount of a claim seriously exceeds the amount of your deductible. Not only will you not collect any benefits on such a claim, but it will then be noted that you had an event occur, and that may be charged against you. Even though the insurance company hasn’t paid a claim, they may still use it as a basis to increase your premium or cancel your policy. You won't care about a renters policy's.....but when your DS/DD buy's their first home....they will.

I've been burglarized a few times (I live in Florida at the beach), until I started putting camera's around my property and inside my home. I even had video of a known homeless guy stealing the bike out of my front yard....police didn't even arrest him. Its florida, the meth-head center of the universe. Guns stolen usually come back if you have your serial numbers. iphone's are found pretty quickly on the side of the road once they're located. I've never filed a claim for causality lose in Florida because they'll cancel you in a new york minute. (Hurricane damage doesn't count as an event). Fort Benning? Start calling Pawn shops in a 60 mile radius and looking on ebay….you'll find the items.

Don't get started on this topic.....I'm sorry, I'll get off the soapbox now.
 

AROTC-dad

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Agree with not filing nuisance claims.

However having renters insurance is a prudent consideration for mitigating the risk of a catastrophic loss.
 

Capt MJ

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The well-known property insurance company that serves the military (and sponsors A-N game) may still offer its small SA property policy at roughly $5-$8/month, with full replacement no deductible on class ring (if it's blinged out it may need a separate rider) and $50 deductible. It’s designed to cover computer gear, gaming gear, uniforms, expensive sports equipment, engagement rings (ditto rider). After graduation, the new ensign or 2LT closes out that policy and starts a new “regular” personal property policy, which covers their stuff whether it’s in their car, in a storage locker, parents’ basement, sponsor’s closet, at a buddy’s while deployed.

There are a handful of well-known companies who understand how to cover AD folks’ stuff while deployed, at school, TAD/TDY, while separate from spouse who might have stuff and 1 car living at her parents’ in another state during deployment or school or no-dependents tour or no-co-location dual military couple in two states.
 
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