New amendment/endorsement to my homeowners insurance

LMFAO!

On a serious note, is there some inside joke here I am missing (doh!), or is this for real? And what is paragraph 12? You mention it but did not show it.

I am amazed at this. One thought would be that you have a really good insurance policy to cover something like this. I only could think that MJ is considered medicinal to be included. But would other medicines also be included for loss too? I am really at a loss how this could have gotten into coverage in an insurance policy. Amazing.

KenB123
I am amazed at this. One thought would be that you have a really good insurance policy to cover something like this. I only could think that MJ is considered medicinal to be included. But would other medicines also be included for loss too? I am really at a loss how this could have gotten into coverage in an insurance policy. Amazing.

Washington has had legal medical marijuana since 1998, but this coverage did not appear until this year. I suspect that the specific coverage is included primarily to set a contractual limit to the payout for recreational pot. If the contract is mute about coverage, an insured who had a lot of money invested in his MJ might take the insurer to court claiming that it was covered under the general "personal property" clause in the contract. By separately insuring it for $500 the insurer limits his liability. 
 
Incidentally, the Washington State law makes it illegal to share pot with anyone, so if you buy a joint legally and let your wife have a toke you are a criminal. A group of individuals or a family sharing a house might each have a stash under the limit, so there could be a lot of the stuff in the house.

Well, a bit of curiosity and Google, have turned up this review article on the subject.
http://www.insuranceissues.org/PDFs/371W.pdf
 
The case of medical marijuana raises some interesting questions. I expect that homeowners who lost medical marijuana could claim coverage of medication, as they could for any expensive prescription drugs in the house. The claim under damage to shrubs and trees cited in the article is truly (and ultimately unsuccessfully) imaginative.
 
The wrinkle with a designated grower under the medical marijuana law is that it is not clear who owns the pot from the point of view of the insurer. The designated grower only possesses the pot for the purpose of delivering it to the patient, and if the grower claims a personal ownership to it, he would likely run afoul of possession laws. The patient is not typically a guest in the grower's home, so her personal property would likely be excluded from coverage, or the grower might be found not to have an "insurable interest" in the stuff. The same issues might arise if you were storing stuff for an unrelated friend as a favor and a loss occurred.

Mesh
Bayou Bill, ewe covered?

That's kind of a personal question, isn't it?