 The Clarinet BBoard
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Author: Danielle
Date: 2000-04-16 03:18
Hi. I was wondering how you go about getting insurance on your clarinets? I have a Buffet R-13 A and Bb, they're both 3 years old...... any ideas how much it may cost??
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Author: Mark Charette
Date: 2000-04-16 13:56
If you're a student, talk with your or your parent's home or renter's insurance agency. They may already be covered, or you may need an inexpensive rider.
If you're a professional, the ICA has a deal with an insurance company, or the local Musician's Union will most probably have some insurance plan.
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Author: Lelia
Date: 2000-04-16 21:43
Mark's distinction between student (or amateur) and professional is a very important one, because most homeowners' and renters' insurance *does not cover* musical instruments used for paid professional work. Amateurs and students still need to check to make sure the policy covers full replacement value. My husband and I based our decision on which company to use for homeowner's insurance in part on the price of the rider necessary to cover his violins. The cost of the rider varies a lot from one company to another, and also depends on what other specifications the homeowner requests in the policy, so it's a good idea to shop around. The best value isn't always the lowest price.
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Mark Charette wrote:
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If you're a student, talk with your or your parent's home or renter's insurance agency. They may already be covered, or you may need an inexpensive rider.
If you're a professional, the ICA has a deal with an insurance company, or the local Musician's Union will most probably have some insurance plan.
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Author: paul
Date: 2000-04-17 17:40
I agree with both Mark C and Lelia. My particular homeowner's insurance company has inexpensive riders (additional subpolicies tied to the main homeowner/renter's policy) or similar arrangements like a rider that provides complete and total replacement, no matter how the instrument was lost or damaged (except for normal wear and tear). This "all risk" policy (including full reimbursement with a brand-new horn) may be more expensive than a replacement value policy, but the price difference should not be very big. I believe that my "all risk" homeowner's based policy for my $5000 (retail value) investment in my clarinet and related pieces/parts/accessories, etc. is about $60 per year. That's a very inexpensive policy for the coverage and the risk. I asked the company representative why musical instruments are so inexpensive to insure. The rep said it's because most folks who have an expensive horn (retail value of over $500) are dedicated amateurs who tend to treat their horns with great caring and respect. Therefore, their loss rate is very low. Again, echoing Mark C and Lelia's comments, my particular policy is for amateur use only. If either my horn or I participate in any gig for any kind of fee, there is absolutely no coverage for any loss. That's right, my pro friends cannot borrow my premium pro grade horn for a performance because it would blow my insurance policy. They already knwo that. Volunteer performances for a community band or church are allowed. Professional tutoring sessions or maintenance work are the only professional things the policy will allow.
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