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Topic: Best Musical Instrument Insurance |
Steve Mueller
From:
Cincinnati, Ohio, USA
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Posted 5 Mar 2016 10:07 pm |
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I'm looking to specifically insure my steel and equipment with a company that specializes in this area. Any recommendations?
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2016 Williams D12 8 x 8, 2015 Williams D12 8 x 8, 2023 Williams S12 4 x 5, Milkman Amps, 1974 Gibson Byrdland |
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Scott Duckworth
From:
Etowah, TN Western Foothills of the Smokies
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Posted 6 Mar 2016 3:59 am
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Check with your homeowners company. They may be able to do a rider on them. Specify replacement costs if they do.
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Amateur Radio Operator NA4IT (Extra)
http://www.qsl.net/na4it
I may, in fact, be nuts. However, I am screwed onto the right bolt... Jesus! |
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Mike Perlowin
From:
Los Angeles CA
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Lane Gray
From:
Topeka, KS
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Posted 6 Mar 2016 6:12 am
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| Scott Duckworth wrote: |
| Check with your homeowners company. They may be able to do a rider on them. Specify replacement costs if they do. |
If you gig for money, your homeowners' policy will probably reject a claim.
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2 pedal steels, a lapStrat, and an 8-string Dobro (and 3 ukes)
More amps than guitars, and not many effects |
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Dennis Montgomery
From:
Western Washington
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Mike Perlowin
From:
Los Angeles CA
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Posted 6 Mar 2016 2:22 pm
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Hypothetical but realistic story: A carpenter and a photographer live next door to each other. The carpenter's hobby is photography, the photographer's is carpentry. The have identical tools. The carpenter has the same cameras as the photographer and vice versa.
Both men are burglarized and all the cameras and tools are stolen. The insurance company replaces the carpenter's cameras, but not his carpentry tools, and the photographer's carpentry tools but not his cameras.
Earlier I mentioned Clarion Musical Instrument Insurance. They insure instruments used for gigging. I strongly recommend them.
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Please visit my web site and Soundcloud page and listen to the music posted there.
http://www.mikeperlowin.com http://soundcloud.com/mike-perlowin |
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Kyle Everson
From:
Nashville, Tennessee
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Posted 6 Mar 2016 3:35 pm
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| I'd like to echo what Mike said. Clarion is a great company and I use them as well. Although I haven't had to file a claim, they told me that in the event of a catastrophe such as a flood, my stuff would be covered. This type of incident would not be covered under a normal homeowners policy, unless you had specific flood insurance. Many people lost their gear during the Nashville flood in 2010, and lots of them were not covered. Even those that do not play professionally should consider this type of insurance for any music-related gear. |
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Steve Mueller
From:
Cincinnati, Ohio, USA
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Posted 6 Mar 2016 9:35 pm
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Thanks guys. I've contacted Clarion for a quote. I was going to also get a quote from Music Pro but their website is down, so I'm not sure if they're still writing this coverage. My home insurance does not cover professional use. This is true of most companies.
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2016 Williams D12 8 x 8, 2015 Williams D12 8 x 8, 2023 Williams S12 4 x 5, Milkman Amps, 1974 Gibson Byrdland |
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Chris Lucker
From:
Los Angeles, California USA
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Posted 6 Mar 2016 10:15 pm
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I use Heritage
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Chris Lucker
Red Bellies, Bigsbys and a lot of other guitars. |
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Tom Wolverton
From:
Carpinteria, CA
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Posted 6 Mar 2016 11:04 pm
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i use Heritage as well.
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To write with a broken pencil is pointless. |
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Bill Terry
From:
Bastrop, TX
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Posted 7 Mar 2016 6:00 am
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I'm using MusicPro, and the website is up for me. They were very responsive when I asked a LOT of questions about coverage, although comparing, I think Clarion is very similar in regards to what's covered. Did you know that MusicPro covers an instrument being shipped? I specifically asked about that, and found that if I ship an instrument to a repair center or another individual (Fedex, UPS, or whatever) it's completely covered. The lady I spoke with said it's 24/7, where ever it is.
I lost a lot of expensive gear in a home fire a few years ago, and while the insurance company was very good, the stuff I used professionally was not eligible for a claim. You can add it as a rider as mentioned, but you have to let them know if it's used to earn income, and that changes things (i.e. coverage is more expensive, at least it was in my case). I found that the folks from MusicPro provided very reasonably priced coverage that covered the equipment far better.
Sidepoint: To an insurance company providing homeowner's coverage, an original '59 Fender Bassman is just a very old amp that has depreciated to the point of being valueless. Don't ask me how I know.. 
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Lost Pines Studio
"I'm nuts about bolts" |
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Harold Dye
From:
Cullman, Alabama, USA
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Posted 7 Mar 2016 6:54 am
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| Well guys I will relate a story that happened to me last month. I have never left my gear at a gig site. Even if I were playing at the same place two or more nights in a row. Years ago I called my insurance agent about the possibility of loss. At that time (in the 80's) he said that if I were gigging (being paid) my insurance would not cover any loss. Recently things happened that I might consider leaving my gear if things had changed. I called my present agent and was told that if I had musical instruments (or antiques etc) none of these would be specifically covered by my homeowners even if they were stolen or destroyed here at home. I was told I needed to have an appraisal of the instruments and this was to be placed in my file. I did that and it increased my premium by about $55 per year. The appraiser told me the reason they do this is in the event a loss did occur there would be a record as to the value and as they probably would not take my word as to the value. |
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