First response from their agent... my original email is below that.
Ian,
Thank you for showing interest in our musical instrument insurance program! After completing some questions below we will be able to supply you with a quotation. You may also want to visit us on the web at
www.musicins.com to view our online insurance coverage forms.
This is the latest reply from Robin at Heritage Insurance, with my last reply to them with additional info. Seems fair when compared to the post above by Wally_Malone.
Ian,
According to the information you provided, we can offer a yearly minimum premium of $250. with no deductible. Coverage would be underwritten through Travelers Insurance or Hartford Insurance.
Our policy is very straight forward and covers anything that is not excluded. Coverage is excluded for governmental actions, nuclear hazard, war & military action, wear and tear, contraband, illegal transportation or trade, gradual deterioration, latent defect of repair or manufacture, mold, wet or dry rot, rust or corrosion, insects, vermin or rodents. Further explanation of these exclusions can be found on the Musical Instrument Coverage Form which is attached.
Coverage is WORLDWIDE for direct physical loss or damage due to theft, vandalism, collision, breakage, fire, flood, water damage, quake, etc. We will also cover devaluation of an instrument as the result of breakage. In other words, if an instrument is damaged, and its not a total loss, we will cover the cost of repair and any resulting difference in value from the original condition. Another important condition is if an instrument is stolen from an unattended automobile we require some visible sign of forced entry into the vehicle for coverage.
If you were interested in starting coverage, all I would need is copies of your appraisals fax, mailed or emailed to us along with your complete mailing address. If you do not have appraisals, we can still start coverage based on the list of items below.
If you have any other questions, please let me know. We look forward to hearing from you.
Robin Hauth
Musical Instrument Department
Heritage Insurance Services, Inc.
826 Bustleton Pike, Suite 203
Feasterville, PA 19053
Phone: 1-800-289-8837, ext. 104
Fax: 215-322-5854
Email:
[email protected]
Website:
www.musicins.com
From: Ian Chames
Sent: Friday, July 13, 2007 6:01 PM
To:
[email protected]
Subject: Re: Heritage Inquiry from Website
Hi Robin,
Thanks for your reply. In answer to your questions:
1. I'm a part-time musician. Instruments are played at local clubs, and occasional events, such as weddings, private parties, block parties.
2. Instruments kept at a private residence, in a studio apartment I rent, which is under the same roof-footprint of the house. No alarm, dead bolt on door.
3. Instruments are not currently insured.
4. No
5. No. I did travel with my bass several years ago, and hand carried it on the plane to ensure its safety.
Please let me know what additional information you require.
Aloha,
Ian Chames