Insurance for PA ?
I was curious , does anyone have insurance on their PA, for damage or theft? I was wondering if somehow it could be included with my auto insurance or home owners insurance.
Iam sure I could just call my agent, but I am wondering if anyone has it?
Back in the day I insured my bass rig, basses, and pa through my homeowner's policy. I don't remember the particulars, but it wasn't terribly expensive.
It was actually my insurance agent who suggested it. Never needed to use it.
Yeah, talk with your insurance agent - it can be added to your vehicle and home coverage.
it's called a Rider and can be added. Don't be afraid to shop around though, might be better to have it separate instead of attached.
Been said before, but just make sure you look into the particulars of the policy. In many cases, homeowners insurance won't cover gear if you are a "professional". This in most cases means if you ever do a gig for money. You would likely have to buy a specific policy for professional musicians in order to get the coverage you need.
I have my PA, basses, amps, pretty much everything covered under my renters insurance, because it all resides at my studio that I rent. I've used it when there was a flood, and another time when my 71 burgandyglo ric was stolen.
I had to get a rider on my homeowners, the gear was worth more than my POS house..........
Take a pic of everything and record model and serial numbers whatever you do.
I called my agent (they are supposed to be good neighbors) I was told since I use the gear professionally it can not be covered under my homeowners unless it is at my home when gets stolen. It is not covered by auto when the trailer if the trailer is stolen.
I called around but wound up frustrated and never got anywhere.
Although I back when I did it, even if the equipment was stored in your home, it still wasn't insured because it was considered tools for a profession and therefore should have a separate policy.
You can get insurance on your equipment through the Musicians Union if you are in Florida. Do a search and see what you find. I get notices from them about insurance availability.
Finally, as with most insurance questions, I normally self-insure if I can handle the loss of the asset. Or take a really high deductible if it generates a low premium.
As they say, you make a choice between eating well, or sleeping well....if you self-insure, and the dollar value of the total possible loss is not great, you can eat well (save on premiums) and sleep well (know that you can afford the risk of losses on the equipment due to theft or other damage).
If you check out the gear insurance thread in Miscellaneous, there are a bunch of options in the USA for insuring all your gear. And at a very reasonable cost too.
I'm from Canada and I have been searching for similar coverage options for my gear. I'm willing to pay a couple hundred dollars to protect all my gear, but the only options are tour insurance costing hundreds upon hundreds of dollars; more than the loss of any one piece of equipment, from what I have seen.
For the low costs involved, I think it is worth it. I wish we could do that here.
Correct! If you use your gear professionally it will not be covered under homeowners insurance. Do not make the mistake of thinking your homeowners or rental policy will do the job. Get yourself musical instrument insurance. I have almost $15K worth of equipment covered for about $150 a year, and it is covered for just about any risk and anywhere in the world.
I go with this company:
and there are other companies, like Clarion. Just do a search.
|All times are GMT -6. The time now is 11:58 AM.|
Powered by vBulletin® Version 3.6.12
Copyright ©2000 - 2013, Jelsoft Enterprises Ltd.