Where should I get guitar insurance?

Mark Guest

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Dec 23, 2003, 1:50:51 PM12/23/03

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I don't know whether I should get a rider on my existing homeowners', or go
with a specialty outfit. Any thoughts and/or experiences to share?

TIA,

--
Mark Guest
Mark at MarkGuest.net
www.MarkGuest.net

Kevin Van Sant

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Dec 23, 2003, 2:20:28 PM12/23/03

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On Tue, 23 Dec 2003 18:50:51 GMT, "Mark Guest"
<ja...@REMOVETHISMarkGuest.net> wrote in message
<f80Gb.639475$Fm2.571712@attbi_s04> :

>I don't know whether I should get a rider on my existing homeowners', or go
>with a specialty outfit. Any thoughts and/or experiences to share?

I joined ASCAP a number of years ago so I could get in on their group
insurance policy. In the last year or so the policy through ASCAP has
been handled by these guys:

http://www.musicproinsurance.com/instr.htm

_________________________________________
Kevin Van Sant
jazz guitar

http://www.kevinvansant.com
to buy my CDs, listen to sound clips, and get more info.

Alternate site for recent soundclips
http://www.soundclick.com/bands/kevinvansant_music.htm

Jurupari

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Dec 23, 2003, 2:35:36 PM12/23/03

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>I don't know whether I should get a rider on my existing homeowners', or go
>with a specialty outfit. Any thoughts and/or experiences to share?
>
>

Mine are covered by my homeowners' and not scheduled. Make sure you insure for
replacement cost and not actual cash value.

Clif Kuplen

Michael Nickolas

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Dec 24, 2003, 1:36:41 PM12/24/03

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I think that if there is any business use of the equipment it has to
be scheduled or be on a rider/policy separate from the homeowners. A
standard homeowners policy will not cover any item used for business,
stolen at a gig or etc.

I'm an ASCAP member also, but right now all my gear is on a "business
use" type of policy arranged for by the same agent that handles my
homeowners. I just recently did an update matter of fact, taking
pictures, gathering receipts and upping the coverage.

Michael Nickolas
www.studionineproductions.com

Jurupari

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Dec 24, 2003, 3:16:44 PM12/24/03

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>I think that if there is any business use of the equipment it has to
>be scheduled or be on a rider/policy separate from the homeowners.

I don't want to argue insurance here, but that's not good advice. Call an
attorney locally or an adjuster and see what they say.

Clif Kuplen

jeffbonny

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Dec 24, 2003, 5:57:37 PM12/24/03

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The A F of M facilitates less expensive instrument insurance for it's
members.
jb

Stan Fong

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Dec 24, 2003, 6:20:43 PM12/24/03

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"Mark Guest" <ja...@REMOVETHISMarkGuest.net> wrote in message news:<f80Gb.639475$Fm2.571712@attbi_s04>...

> I don't know whether I should get a rider on my existing homeowners', or go
> with a specialty outfit. Any thoughts and/or experiences to share?
>
> TIA,

Mark,

I bought a rider policy through my homeowners insurance company. It
was $5 a year for every $1000 of coverage. An example would be if you
were to insure $10,000 it would cost $50 a year. This was based on me
telling the agent that I don't play professionally. There's a
different rate for pros who take their gear out to gigs but I'm not
sure how much more it is.

Stan