Who do you use to insure your instruments

[JoePro]

Hey guys forgive me if there is a thread on this already I did a brief search and could not find anything. Who do you all use to insure your instruments I've been checking with my insurance company Who I have automobile and homeowners insurance with and a few others and they say that they can not cover my guitars because I use it for business I even looked into some type of business insurance for then but they will not cover my guitars I really want to get insurance for when I travel and with my basses can anybody recommend anything

 

[Killed_by_Death]

That's correct, if you are gigging with your equipment, homeowner's won't cover them.

 

[Goatrope]

https://www.musicproinsurance.com

 

[ddnidd1]

The Gear Insurance Thread

 

[JoePro]

Thanks guys

 

[nostatic]

Anderson. Invalid Link Removed

And Remington, Smith & Wesson, Sig Sauer, Walther, Marlin, and Ruger.

I'm equal opportunity

 

[BAG]

That's correct, if you are gigging with your equipment, homeowner's won't cover them.

It obviously depends on where you are and who you're insured with. All our instruments and PA are insured on our Home Contents insurance for when they are out of the home. We're insured for $15,000 of gear and it costs us an extra $150 per year.

 

[nostatic]

It obviously depends on where you are and who you're insured with. All our instruments and PA are insured on our Home Contents insurance for when they are out of the home. We're insured for $15,000 of gear and it costs us an extra $150 per year.

For almost all homeowners and renters insurance in the US, musical instruments will not be covered if they are ever used out of the house - even if you have a rider. Many players mistakenly believe their gear is covered when in fact it isn't. May be different in Oz.

 

[Stumbo]

https://www.musicproinsurance.com/
Music Instrument Insurance, Musicians Insurance, Music Equipment & Gear Insurance

 

[Flaked Beans]

Joey and Tony from the basement two blocks away.

 

[jaybones]

Nationwide, renter's insurance. Agent is pretty cool, a player himself, and he's allowed me to insure for claimed value instead of actual.

Not that I've claimed a partsbass jazz is insured at something ridiculous like over a grand or something, but lets just say if any of what I owned walked off I could very easily be satisfied with the pay out.

 

[MCS4]

I've been reasonably happy with MusicPro from the perspective of cost and ease of updating my equipment list. I haven't had to make a claim though.

 

[Siggy]

https://www.musicproinsurance.com

Plus 1

I've been with this company for 4 years now and like their policy. They pretty much cover every contingency with $100 deductible. I've not had to file a claim yet, but I insure about $12K for less then $200 a year and I sleep a lot better.

 

[bassliner50]

I'm self insured.

 

[rtslinger]

Yes, through my home owners insurance but, I had to make the optional choice in policy to make sure my gear was covered. So read your policy if your are choosing to use your homeowners policy, mine was under a PPI Payment Protection Insurance area

 

[Kevorargh]

I had a separate inland marine policy for many years when I was gigging professionally. The inland marine policy was what was recommended to me. Most local insurance companies carry them. Mine cost $450 a year or so and I could deduct that as a business expense on taxes.

 

[Xandrell]

Yes, an inland marine policy is what you need. The same as a landscaper for mowers, contractor's equipment etc... A Homeowners policy will not cover instruments used professionally just like it wouldn't cover a landscapers mowers but would cover his personal mower used at his house.

 

[AshInAmsterdam]

Mine are insured anywhere outside or inside my house as long as I'm with them. Under my house contents insurance with my bank.

It doesn't add up to a lot with a €250 excess but at least they're covered when I'm walking to and from rehearsal.

 

[Spidey2112]

That's correct, if you are gigging with your equipment, homeowner's won't cover them.

Mine said to notify them when I do get back into it... I'm sure it's a "discounted" rate... they even said I would have to declare gig locations, as that would factor into the rate, so... see you later, Dive Bar...

 

[DavC]

a ' rider ' ... however that might be spelled ... righter ..?

i used to have one , but i don't remember if was added to my Homeowners or Car Ins .. ??

email your ins rep and ask . ?