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 insurance
Author: angella 
Date:   1999-08-03 01:20

what's the best way to insure instruments?

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 RE: insurance
Author: Mark Charette 
Date:   1999-08-03 01:20

Check the latest Klarinet mailing list postings. There's been a running thread over the last couple of days.

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 RE: insurance
Author: Rick2 
Date:   1999-08-03 04:28

It might be covered under your parents home owners policy.



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 RE: insurance
Author: paul 
Date:   1999-08-10 14:30

Rick2 has a good start on the solution.

Many of the homeowners/apartment leasing insurance contracts have what's known in the business as a "Personal Articles Floater" (PAF) policy for individually expensive items, such as good musical instruments, replaceable works of art, jewelry, etc. You basically insure that particular item against all risks including theft, fire, flood, damage, anything under the sun. There are a few catches. First, you can't use a musical instrument for professional gigs. Second, the horn must be more valuable than $500 for its typical retail replacement value, or what you actually paid for it, whichever is less. Third, you must keep a receipt of the purchase and it helps to have the horn appraised by a professional repairperson if it is used. Fourth, document the horn's model number (or style name or whatever sets it apart from its sister products from the same manufacturer), its serial number, and any distinguishing characteristics that could help someone find it in a pawn shop and claim it as theirs. Typically, the insurance for an all risk policy for a professional grade horn for strictly amateur use is less than $50 per year to insure a $2000 horn against all risks.

Been there, done that. My wife worked for a very large insurance company for 10 years, so she knows a lot of the ins and outs of the business. I have my pro grade Buffet Festival Bb Soprano wood/silver clarinet insured under a separate PAF policy with my homeowner's contract right now.


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 RE: insurance
Author: Daniel 
Date:   1999-08-10 22:39

There's a company out there called the Music Agency... i wouldn't recommend going with them... they charge ungawdly amounts for insurance.

The ICA has a group insurance plan. Under the Music Agency, i was only able to insure my instruments.. and their rates were so high i didn't even bother insuring my A cl., Eb cl., or my sax. But with the ICA's insurance group... i was able to insure all my instruments, mouthpieces, ligatures and various equipement (tuner, Dr. Beat, stands, etc), as well as my sheet music for less than it cost to insure my old plastic B-12 under the Music Agency.

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 RE: insurance
Author: angella 
Date:   1999-08-12 00:28

are you in the union, daniel? because they have a plan (i just joined) and i was wondering if you knew anything about that or have heard? it's supposed to be cheap and risk free, as the one in the ica magazine. thanks.

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 RE: insurance
Author: Daniel 
Date:   1999-08-12 23:38

I'm joining the union in a month or so.... just waiting for students to start back up in lessons so i can get the money to pay the initial dues...
So.. i'm not sure about their insurance plan...

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