Posted By:
DaveI have some knowledge in this area ( I've worked in claims in the PO before). The clerk is right to ask what is in a package when buying insurance. The reason is to see if it is something insurable and if it is packed properly. The 2nd issue is you lied to the clerk saying it's photos. He was just warning you that the pics are only insured for replacement value not actual value. Of course, vintage photos that you bought or sold and can prove are insurable, but he's just trying to stop the mother sending grandma pics of the kids and waisting her money insuring them for $300 when the PO only pays replacement value(Film and Developeing $20)