 The Clarinet BBoard
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Author: Chris P
Date: 2008-08-07 14:25
I've got all my instruments insured, though I may look for a specialist policy with lower premiums than the one I'm currently with.
Former oboe finisher
Howarth of London
1998 - 2010
The opinions I express are my own.
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Author: William
Date: 2008-08-07 14:39
No insurance for any of my musical instruments which include over 15 soprano clarinets, a bass clarinet, alto & tenor saxophones, flute, trumpet, various percussion pieces & a baby grand piano. I do have a home owners policy that would cover loses incurred from fire and burglary, but no "on the job" coverage(s). Never felt the need for where I normally take my equipement, but then.....I've never had to play in NYC (lol).
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Author: GBK
Date: 2008-08-07 14:50
No specific insurance other than homeowners
However, we do have -
1. 24 hr home surveillance and monitoring
2. Alarm system wired to local police.
3. Large cranky dog with sharp teeth
...GBK
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Author: Don Gross
Date: 2008-08-07 14:58
I have my Buffet Bb & A, Noblet C, Noblet alto, Selmer Paris (Eb) bass, Bundy contra alto, and Leblanc low C "paperclip" contrabass insured with Clarion in New York for about $160 per year (reduced rate for members of Chamber Music America).
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Author: EEBaum
Date: 2008-08-07 17:13
Homeowner's insurance covers mine at home, but I also took out instrument insurance for when I take them places (e.g. bad neighborhoods, trips).
-Alex
www.mostlydifferent.com
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Author: Danny Boy
Date: 2008-08-07 17:43
I've just renewed mine today funnily enough.
Here in the UK it seems that most insurers specifically exclude musical instruments - to the cost of several of my students.
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Author: Brenda ★2017
Date: 2008-08-07 18:20
According to my insurance agent, in Ontario, Canada the homeowner's policy would cover the instruments as long as they're not played professionally. Small paying gigs all the way up to orchestral playing is considered professional use. In that case it's wise to obtain separate insurance on them. Check with your local insurance agent for rules in your area.
In any case, if you have pictures and serial numbers the insurance company would be more likely to believe you if a loss should occur.
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Author: John J. Moses
Date: 2008-08-08 04:31
I play professionally in NYC, and other major cities. I also travel outside the US to play and lecture in many foreign countries.
Therefor I need excellent insurance coverage for all my instruments, some 60 at last count.
My homeowners insurance policy provides a "rider" for all my instruments, whether I am at home, on the road, or out of the country. In other words, I suggest those of you who travel, own expensive and irreplaceable instruments, and want to protect your investments and careers, buy the best coverage you can afford.
Most homeowners policies here on the East coast provide professional coverage worldwide at a fraction of the cost of a "stand alone" policy.
Check with your local insurance agents, and get the right coverage for your specific needs. You must be protected wherever you are, and wherever you travel. A loss can be devastating to your career, not to mention the emotional stress you will feel, when you realize your favorite horn is gone and you have no way of replacing it.
PS GBK's 3 point protection advise is a good idea also!
JJM
Légère Artist
Clark W. Fobes Artist
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Author: marcia
Date: 2008-08-08 04:37
Mine are included in my house contents policy, but have to be listed individually. That covers them anywhere, not just in my house. And even if I (foolishly) leave them in an unlocked car. Not likley they will even be left in a LOCKED car. Went travelling by car in June/July with my babies, and they came into every road side stop with me. (-;
Marcia
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