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04-18-2006, 12:49 PM
| | Registered User | | Join Date: Jul 2003 Location: San Francisco | | | Who's using "what" insurance for their gear?
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I'm shopping around for insurance for my basses and my home recording gear. I just wanted to take a survey on what companies you are using.
Thanks in advance. |
04-18-2006, 01:31 PM
| | Registered User | | Join Date: Jul 2000 Location: Valencia, CA 91354 | | All of my stuff is covered under my standard USAA renter's policy. $13/year for $10,000 coverage. Obviously, this coverage does not apply once it leaves the house. 
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04-18-2006, 01:34 PM
| | Registered User | | Join Date: Apr 2002 Location: West Side SA | | USAA? Cool, I live down the street from USAA....  
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04-18-2006, 02:20 PM
| | Registered User | | Join Date: Feb 2006 Location: New York City | | | $13 (???!!!) is something you will ONLY get from USAA
Most companies now have a filed minimum premium of $100, or $250.
I have a "Fine Arts" floater for my collectors vintage stuff now, through Chubb. |
04-18-2006, 02:23 PM
| | Registered User | | Join Date: Nov 2005 Location: Duncan, Okla. | | A Doberman, 9 guns and a Black Belt. 
Seriously, It's coverd under my insurance on my house.
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Warwick,Ampeg.
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04-19-2006, 02:09 AM
|  | Unprofessional TalkBass Contributor | | Join Date: Dec 1999 Location: Brighton, England, UK, Europe | | Quote: |
Originally Posted by AxtoOx A Doberman, 9 guns and a Black Belt. | And if you leave your gear unattended for a few minutes (say outside a gig venue) and return to find it gone - none of this will do you any good whatsoever.... 
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“Making the simple complicated is commonplace; making the complicated simple, awesomely simple, that's creativity.”
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04-19-2006, 03:46 AM
| | Registered User | | Join Date: Nov 2005 Location: Duncan, Okla. | | Quote: |
Originally Posted by Bruce Lindfield And if you leave your gear unattended for a few minutes (say outside a gig venue) and return to find it gone - none of this will do you any good whatsoever.... | That was true but a joke, My homeowners Insurance will cover it. I'm not sure about renters insurance outside the home though.
I have good coverage.
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Warwick,Ampeg.
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04-19-2006, 03:53 AM
|  | (((o))) Moderator | | Join Date: Jul 2003 Location: Antwerp, Belgium | | | Jokes are something Bruce eats for breakfast. |
04-19-2006, 03:57 AM
| | Registered User | | Join Date: Nov 2005 Location: Duncan, Okla. | | | FYI, the guns are in a very expensive Browing Safe. I'm not a keep a loaded gun handy type, though I do have a concealed carry permit. When your sleepy, crooks have as good a chance to get them as you. That's what the Black Belt is for.
Now back to the real topic.
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Warwick,Ampeg.
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04-19-2006, 04:09 AM
| | Registered User | | Join Date: Jul 2000 Location: Valencia, CA 91354 | | Quote: |
Originally Posted by tkozal $13 (???!!!) is something you will ONLY get from USAA. | Keep in mind that $10k is not a whole lot of coverage. In terms of dollar value, if this place burns down or I get seriously robbed, I'm out a lot more than that. My CD collection alone eats up half of that value, and if you add my books, computer, and of course my bass stuff to the mix, you're definitely way over the amount of insurance I'm carrying.
But yeah, USAA is nice. I appreciate my dad's four post-law school years in the Army a whole lot. The credit limit on my USAA Mastercard (which I pay off every month) is 2.5x my monthly income, and the interest is barely over 10%!
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Did I ever tell you, by the way? I never did like your face. |
04-19-2006, 03:27 PM
| | Registered User | | Join Date: Mar 2005 Location: Staunton,VA USA | | | Check with your insurance agent as to whether or not your homeowners policy will cover your gear. Mine told me that if I made any money using the equipment it was NOT covered. I obtained insurance through Seabury and Smith by way of the musician's union.Premiums are relatively inexpensive and according to the policy ...covers everything but mysterious dissappearance. |
04-20-2006, 01:24 AM
| | Unprofessional TalkBass Contributor | | Join Date: Dec 1999 Location: Brighton, England, UK, Europe | | Quote: |
Originally Posted by Vorago Jokes are something Bruce eats for breakfast. | Having had a very expensive cab stolen from my car ...I don't really see this as a laughing matter...
Lost my car insurance no-claims bonus as well!! 
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“Making the simple complicated is commonplace; making the complicated simple, awesomely simple, that's creativity.”
Charles Mingus |
04-20-2006, 05:58 AM
| | (((o))) Moderator | | Join Date: Jul 2003 Location: Antwerp, Belgium | | | thankyou for proving my point. | | Thread Tools | Search this Thread | | | | 
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