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Topic: do you ,have insurance on your steel or other equipment ? |
Terry Kinnear
From:
Erie ,Pennsylvania
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Posted 14 May 2007 6:47 pm |
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| I was wondering about getting insurance on my steel guitar ,and other equipment. I tried to get insurance on my stuff but State Farm will not write a policy for my steel.is there a company that will write insurance,for equipment, against thieft,or fire .other than home owners ? steel wondering!Terry |
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Bruce Meyer
From:
Thompson's Station, TN
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Posted 14 May 2007 6:51 pm
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Music Pro Insurance
http://www.musicproinsurance.com/
I have three pedal steels and a bunch of other guitars insured for a number of years. One caveat, I've never filed a claim, so I don't know how they are to deal with. They have been around for a while and advertise frequently in music mags.
You can apply and do all of the communication via their website.
Last edited by Bruce Meyer on 14 May 2007 6:54 pm; edited 1 time in total |
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Bruce Meyer
From:
Thompson's Station, TN
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Posted 14 May 2007 6:51 pm
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| Sorry for the duplicate. |
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Roger Crawford
From:
Griffin, GA USA
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Posted 15 May 2007 8:21 am
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| All of my equipment is covered under home owners. I had to have a seperate rider written, going into detail of age, value, etc, but no seperate policy was required. |
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Bob Hoffnar
From:
Austin, Tx
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Posted 15 May 2007 2:38 pm
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Read your policy carefully. There can be some screwy things in there. Some homeowners policies don't cover things stolen outside of the house or used for work. Some policies don't cover things stolen from cars. You may want to check with your local musicians union for some insights. Most band managment companies have a deal going for gear also.
I keep my gear insured all the time. I feel stupid sending in the check but not as stupid as I would feel without insurance if my gear was stolen.
_________________
Bob |
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John Bechtel
From:
Nashville, Tennessee, R.I.P.
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Posted 15 May 2007 8:05 pm
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My main policy is .44 cal.! Or do you mean insurance against a natural disaster?
_________________
<marquee> Go~Daddy~Go, (No), Go, It's your Break Time</marquee> L8R, jb
My T-10 Remington Steelmaster |
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Bryan Daste
From:
Portland, Oregon, USA
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Posted 15 May 2007 9:01 pm
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| My stuff is covered in and out of the home with a rider on my Allstate renter's policy. |
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Sidney Ralph Penton
From:
Moberly, Missouri, USA
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Posted 15 May 2007 9:13 pm
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allstate? i remember my father had allstate for a car insurance an he had two accidents in a 3 year period niether was his fault the other party got a ticket and they dropped him like a hot potato. i would never use that company but do what you have to do
_________________
zum SD10 peavy session 400 peavy XR600G
if its not a zum steel it isn't real
just trying to steel for the Lord> |
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Terry Kinnear
From:
Erie ,Pennsylvania
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Posted 16 May 2007 3:09 am
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| I was with liberty mutual for over 25 years, with no claims, a neighbors tree crashed ,on our car ,when my wife was driving down the street,almost killed my wife,and totaled the car.after they paid off the claim. they dropped us like a hot rock. steel wondering |
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Rodney Garrison
From:
Montague County , Texas (deceased)
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Posted 16 May 2007 3:58 am
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Try this.
Collectibles Insurance Agency
www.collectinsure.com
1-888-837-9537
This will be my insurance for my guns and such.
Good Luck and let us know how it works out.
_________________
" Even if you're on the right track , you'll get run over if you just sit there. "
---Will Rogers--- |
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Doug Seymour
From:
Jamestown NY USA (deceased)
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Posted 16 May 2007 3:02 pm
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| Hi Terry, My experience from years ago (might be different today?) was that homeowners covers, but not if you play out for money! just hobby instruments would be covered. Ask an agent, they will answer your questions, I'm sure. |
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Jim Eller
From:
Kodak, TN (Michigan transplant)
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Posted 16 May 2007 3:23 pm
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| I have $27,000 covered under a saparate policy for playing outside the house with State Farm at a cost of $112 annually. |
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Jim Sliff
From:
Lawndale California, USA
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Posted 16 May 2007 4:34 pm
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| Quote: |
| My stuff is covered in and out of the home with a rider on my Allstate renter's policy. |
I'd check that carefully. If you play ANY gigs for money Allstate's policy usually excludes coverage.
Almost all six-stringers I know (including me) have Clarion. They write policies specifically for musicians and their rates are decent. They are the most-recommended on the Fender and most other guitar forums.
What I said about Allstate (I've had Allstate homeowners and auto for decades) is true for most major carriers - they offer limited coverage for itemized "collections", but exclude "professional" coverage - and their definition is ANYONE who plays for pay, EVER.
www.clarionins.com
_________________
No chops, but great tone
1930's/40's Rickenbacher/Rickenbacker 6&8 string lap steels
1921 Weissenborn Style 2; Hilo&Schireson hollownecks
Appalachian, Regal & Dobro squarenecks
1959 Fender 400 9+2 B6;1960's Fender 800 3+3+2; 1948 Fender Dual-8 Professional |
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Dennis Coelho
From:
Wyoming, USA
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Posted 16 May 2007 4:53 pm Topic: do you ,have insurance on your steel or other equipm
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Our homeowners insurance through State Farm covers all of the guitars, fiddles and even the steels. But my daughter's concert and celtic double harp are covered by a separate rider. Concert harp? Think the cost of four or five MSA Millenium steels. The celtic double you can get for just two Millenium (millenia?).
Dennis |
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Jim Eller
From:
Kodak, TN (Michigan transplant)
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Posted 16 May 2007 5:03 pm
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Dennis: Does your State Farm homeowners cover your equipment while you are playing out on a paid gig?
When I posed the question to my State Farm agent he pointed out in the policy that it did not. Therefore I have the separate policy which does.
Jim |
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Lorren White
From:
Oklahoma, USA
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Posted 16 May 2007 6:02 pm Insurance
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| I will offer my recommendation after 35+ years as an independant agent. Your homeowners policy will cover your intruments as long as they are "not" used as a business. Business would include any paid funtions. There can be some restricktions on away from home theft. The best way to cover is under an Inland Marine floater policy where you schedule the instruments by description and value. These can be written as individule policies or added as a rider to any homeowners policy.You also want to know if the coverage is on an agreed amount basis or actual cash value. All Homeowners coverage would be on actual cash value being replacement cost less depreciation. If you have instruments that cannot be replaced or collectors value you would want nothing less than agreed value, with value established by an appraisel. |
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Ron !
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Posted 16 May 2007 6:15 pm
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| You may want to check with your local musicians union for some insights. Most band management companies have a deal going for gear also. |
That about says it all I think.Thats the way we have it insured.
Ron |
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