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Clarion Instrument Insurance

Discussion in 'Miscellaneous [BG]' started by gzarate85, Mar 9, 2013.

  1. gzarate85

    gzarate85 Supporting Member

    Jul 16, 2009
    Houston, TX
    Hey TB'ers- I recently bought a Smith, the nicest bass I've ever owned. That said, I've been thinking about having it insured. I thought about tying it in with my homeowners insurance, however I recently heard about Clarion through a member on the Smith forum. Just want to see if anyone else (TB is a wider audience) has had any experience with them. Their premiums seem reasonable and am really thinking of going with them. Their coverage covers just about anything from theft to damage of any kind, covers anywhere in the world.

  2. David281189


    Jun 25, 2012
    if they cover everything and the pricing sounds good...go for it :)
  3. Eric Moesle

    Eric Moesle Supporting Member

    Sep 21, 2001
    Columbus OH
    Do a search, there was a recent thread on Clarion. They have a standard minimum premium which is pretty high compared to its competitors, especially if you only want to insure only one instrument.

    Clarion was unable to match a quote I received from Music Pro Insurance, which is who I eventually went with.
  4. Jim Carr

    Jim Carr Dr. Jim Gold Supporting Member

    Jan 21, 2006
    Denton, TX or Kailua, HI
    fEARful Kool-Aid dispensing liberal academic card-carrying union member Musicians Local 72-147
    Clarion has had my business for 8 years, and paid a claim I had promptly.
  5. Kmonk


    Oct 18, 2012
    South Shore, Massachusetts
    Endorsing Artist: Fender, Spector, Ampeg, Curt Mangan, Nordstrand Pickups, Korg , Conquest Sound
    The agent that handles my home owner's insurance told me that if you file a claim against your home owner's insurance your rates will increase even if the claim is denied. If you file two claims, the insurance may drop you all together even if the claims are denied. Instrument insurance sounds like a good idea if the price is right. Having said that, I have been gigging and touring for 35 years and the only time I had anything stolen was buy a former drummer that I had played with.
  6. malthumb


    Mar 25, 2001
    The Motor City
    Just paid my insurance. I used to be with Merz-Huber. This is my second year with The Hartford. My premium is about 1.5% the replacement value of my gear.
  7. iwearpumas


    Aug 12, 2011
    Middletown, NY
    I think I accidentally blew my cab. I wonder if Clarion will cover a replacement cab.
  8. Dan Knowlton

    Dan Knowlton Sometimes you're the dog, sometimes the tree Gold Supporting Member

    Aug 12, 2002
    Palm Coast, FL
    I was reading the basis for coverage. Clarion has an agreed value basis and Music Pro uses replacement value if you have a claim.

    Dan K.
  9. smperry

    smperry Administrator Staff Member Administrator Gold Supporting Member

    Nov 3, 2003
    Bay Area, CA
    Moved to Miscellaneous
  10. iwearpumas


    Aug 12, 2011
    Middletown, NY
    I have no idea what that means.
  11. iwearpumas


    Aug 12, 2011
    Middletown, NY
    Ok, I understand now.

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