Insurance

  • Thread starter Thread starter ClintN667
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ClintN667

Well-known member
Do you guys carry insurance on your gear outside of your normal homeowners/rental insurance?

If so who do you use?
 
Planning to add the stuff to my homeowners for particular pieces, but haven't gotten to it yet
 
My ex-wife worked for State Farm as an agent. Take hardcopy pictures( with time date stamp if possible) of valuable personal items and collectables and keep the pictures in a fireproof box and or a bank security box.
 
I use All State. I’ve got a musical instrument policy that carries up to 20k for guitars only at market value. The amps are covered under the general house items value (amps don’t count as musical instruments, read the fine print)

I then scheduled each of my really expensive guitars separately as non professional riders. It required professional appraisals with serial numbers in the appraisal quotes and I submitted that to my insurance company. The appraisals are required for scheduled coverage.

So in summary my expensive Les Paul customs are covered as scheduled items so that the appraised value is what is given if something happens, the 20k musical instrument policy covers all of my general guitars at market value, and the amps are all covered under general house value which includes water damage.
 
alund said:
Those accidents I understand are not an uncommon occurrence.
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I had riders through homeowners/renters insurance for years. It paid off too, when I had guitars stolen from a studio one time. (Don't get me started on all the nonsense that must have happened to even get that going!) Anyhow, I got payout and got my new gear, so well recommeneded.
 
I asked recently when we re-upped for the year, they (Amica) told me that I didn't need it unless the items exceeded the $300k we have to cover all internal items in the house. Since I don't own and '59 burst or Dumble figured I am good..
 
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