PDA

View Full Version : insurance for guitars/amps etc

bolero
05-14-2008, 01:17 PM
hey, anyone know the best way to insure stuff? I've heard homeowners insurance doesn't cover you if you are a professional musician, so what options are out there?


thx!!
Tarl
05-14-2008, 01:50 PM
My insurance company tells me that if you preform outside of your home, pro or not, you must have a seperate policy on your gear. The only way my homeowners insurance would cover it is if the gear never left my home.
RIFF WRATH
05-14-2008, 02:08 PM
there is a thread in the stolen gear section regarding insurance.
Paul
05-14-2008, 02:17 PM
Unity Insurance Brokers (Windsor) Limted
800 966 6177 x 253

I believe they will answer the phone with "Hub Insurance" now.

They offer the best price I have been able to find. The cost is $2.75 per $100.00 insured, with a $50.00 deductible. That price is available to AFM members. For $25.00 more I got $1 000 000 in liability insurance.

I have 2 lists of gear. Gear I use for work, which is insured through this policy, and gear I keep at home for pleasure, which is listed on a rider on home insurance. If I use a "home" piece on a job, and suffer a loss, I'm SOL.
Milkman
05-14-2008, 03:01 PM
My insurance company tells me that if you preform outside of your home, pro or not, you must have a seperate policy on your gear. The only way my homeowners insurance would cover it is if the gear never left my home.

I suggest a new insurance company.

I had three instruments stolen from my home and they were covered. Of course if they had been stolen at a gig, I would have burned.
Paul
05-14-2008, 03:14 PM
I suggest a new insurance company.

I had three instruments stolen from my home and they were covered. Of course if they had been stolen at a gig, I would have burned.

Who is your homeowners insurance with?
Milkman
05-14-2008, 06:43 PM
Who is your homeowners insurance with?


Well they were very cooperative.


Great company. I've dealt with them for decades and never made a claim. This one was completely legit of course. I ended up getting the Tele and mandolin back, but not the Strat (shame really) or the iPod.

The insurance company was reasonable with their settlement.
nitehawk55
05-14-2008, 09:14 PM
Don't get me started about insurance companies , I put them right there with oil companies and banks .