 The Clarinet BBoard
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Author: Suzanne
Date: 2001-06-12 02:09
I have two beautiful R-13's that I want to protect should they get stolen--does anyone know where I can get insurance for them?
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Author: Mark Charette
Date: 2001-06-12 02:13
Your homeowners or apartment insurance may cover them as long as you're not a professional. If your current insurance doesn't cover them then you can most probably obtain a "rider" so they will be covered for a nominal cost.
If you're a professional then you'd probably be talking to your union.
But anyway - talk to an insurance agent - that's what they <b>do</b> for a living!
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Author: Benny
Date: 2001-06-12 02:46
Mark's right - most homeowners insurance covers instruments.
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Author: Jim
Date: 2001-06-12 04:17
The rider on our homeowners covering my son's R13 costs $19/ year. This eliminates a dollar limit on musical instruments, eliminates the deductable, and adds covered situations, i.e., it adds coverage for accidental loss (losing the instrument.) There is an exclusion for professional use. Mark's right, talk to your insurance agent. I did, I'm married to her!
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Author: Mark Charette
Date: 2001-06-12 04:59
Just to show you the wide variability of insurance costs, the homeowners I have covers a grand piano, 2 trumpets, an alto sax, and 3 clarinets with no deductable and no rider.
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Author: William
Date: 2001-06-12 15:01
I have played instruments professionally for over 45 yrs (I own a grand piano, three Selmer saxophones, a guitar, trumpet, flute about fifteen clarinets--I don't actually use them all--and a variety of background percussion instruments and an extensive library of woodwind quintet music) and have never had insurance protection for any of my professional equipement either at home or on the job. Whenever I checked, the cost per year year was so expensive (even through the Musicians Union) that I always decided I would take my chances. So, far, I have been very lucky and have never had an instrument damaged, lost, or stolen on the job or from my home or car. BUT, I do recommened the protection if you can afford it, AND, I am not telling where I live or where I play!!!! If you do find a deal, please let us all in on your info. Maybe I too will be interested--never know who might be reading this memo. Good luck!
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Author: John Gould
Date: 2001-06-13 00:45
The AFM offers musical instrument (all risk) insurance which was with Albert H. Wohlers out of Chicago, but now is with (I think) Seabury and Smith. My wife and I have $ 20,000 worth of stuff insured for $3-350 a year. I have been with them for 7 years, and had to make a claim on a damaged instrument back in '95 which they promptly paid. Also, they will cover computers used in music as well as the usual things. The only thing you might want to get clarification on is that if you buy an instrument, it's automatically covered for 30 days from the time of purchase, but if you DON'T add it to your list of covered items, within that 30 days, it's not insurable after that. The all-risk part means you can report a loss due to almost anything except gross negligence and they'll pay for it, including theft, damage by airlines, etc.
Also, although I've never done this, I've heard of folks getting together and incorporating, or somehow becoming a legal performing entity that is eligible for group rates. The $300-350 a year comes to less than a dollar a day for peace of mind. Well worth it.
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Author: jerry
Date: 2001-06-16 15:16
I too use Seabury and Smith (formerly Albert H. Wohlers) but for my amateur radio equipment. I did not know that they did musical instruments also. I shall check into that.
Thanks.
~ jerry
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Author: Brenda Siewert
Date: 2001-06-17 14:14
Because I travel overseas with my instruments (3 clarinets and a guitar), my agent issued a policy just for them. It's still a lot cheaper than replacing any one of the 4 high-dollar instruments.
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