Klarinet Archive - Posting 000466.txt from 2002/02

From: CBA <clarinet10001@-----.com>
Subj: [kl] Music Insurance...was Chipped/Cracked Tenons...AUGH!!
Date: Fri, 22 Feb 2002 23:23:35 -0500

Hi Mike,

The company I have the insurance through is Sterling
and Sterling in New York State (somewhere in Long
Island, outside of New York City.) The union (my music
union is local 802) gave me information on the
insurance, and I believe you might have to be in the
union to get the rates I get (which are really low)
but they may insure people outside the union.

MusicPro is a national company insuring instruments.

Here is the link for both companies.

http://www.sterlingrisk.com/
http://www.musicproinsurance.com/

I STRONGLY suggest this kind of insurance. Homeowner's
insurance is not only more expensive, but only covers
blue book worth (the two companies above take the
amount you insure it for, which is "replacement" cost,
not worth...very different.) You can have $3,000 worth
of coverage for about $50/yr, *plus* they also give
you up to $5000 insurance for electronics/stereo
equipment FREE in addition to the instrument coverage,
just for insuring your instruments through them. I
remember over a decade ago, my parents had my old
clarinet insured for blue book rates through the
homeowner's policy. The insurance rider cost them $40
a year for $1000 coverage for a "used instrument." Not
only would this not have covered replacement, but for
$3,000 insurance, it would have cost $120/year, and
that was in the late 80s.

Homeowners insurance doesn't cover breakage due to
wear or droppage, car running over instrument, etc.
Music instrument insurance DOES.

Most importantly...homeowners insurance only covers
instruments IN YOUR HOME OR CAR. If you are in a mall
and the instrument is next to you on a bench, and then
swiped by someone, IT'S NOT COVERED.

I have had friends lose instruments or the instrument
is broken without coverage...it's really sad when they
can't afford to buy another instrument and have to
stop playing.

*off the soapbox*

Kelly Abraham
Woodwinds - New York City
--- mlmarmer <mlmarmer@-----.com> wrote:
> CBA,
>
> Where do you get insurance for an musical
> instrument. Can it be added as a
> "listed" item under homeowners?
>
> Please let me know.
>
> Thanks, Mike Marmer Germantown, MD > Go Terps!

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