 The Clarinet BBoard
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Author: Orlando Natty
Date: 2014-04-17 06:48
My house was recently broken into. Luckily they didn't steal any instruments ("just" a lot of jewelry, tv, and computer). I've realized I should get mine and my husband's instruments insured. I assume I'll need some kind of proof of value.
Does anyone have experience in how to go about getting values established? Is there separate insurance available or can you get it through homeowners insurance? How does everyone else have their stuff ensured?
Just for reference, I have a Selmer 10G and a Leblanc LL. Both from the 70s. I also have an early 50s Leblanc Dynamique. My husband also has quite a few collectable trumpets. I'm worried that most stores won't know the value of vintage instruments.
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Author: packrat
Date: 2014-04-17 07:03
I have insurance on all mine. It's a separate policy from my homeowners but with the same provider. It's very reasonable and for replacement cost based on current market value. Of course we both know you probably couldn't replace the horn because of the way it's setup for you, but at least you'd get a little back and could find another used horn somewhere. My prices were based on what either my receipts of purchase or how much I could find one in a store or on that website that shall remain nameless.
I'm sorry you were broken into but at least they left your horns alone. Good luck.
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Author: fskelley
Date: 2014-04-17 07:15
I have a "personal articles floater" policy for all such things. Jewelry, cameras, musical instruments, laptop computers- covers them at home or wherever. In fact, when I sell and ship something (eBay), I make sure not to cancel coverage until it arrives safely and is accepted by new owner. I figure loss in shipment would be as valid a claim as anything else. My only claim was a camera that fell off a tripod and ruined a $400 lens- paid with no issue, and they didn't even want the broken one so I was able to sell for scrap.
Probably this (or something equivalent) is what packrat's talking about. I agree the rates are very reasonable. My biggest problem through the 35 years I've had my policy is keeping the list of items current- especially getting items off the list that we no longer own. For a long time, State Farm's lists would show every item that was ever there, and the date removed- making it pretty tough to follow. Don't know if it's still that way- I learned to make my agent deal with the details.
Stan in Orlando
EWI 4000S with modifications
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Author: packrat
Date: 2014-04-17 07:36
Mine is also with State Farm. I'm not a professional player and I think that was also a stipulation for coverage. And not only is it great if it's stolen from your house, if it's stolen from your vehicle or during a gig they will cover it. Or if you have your instrument on a stand and some klutz (like me) accidentally knocks it off breaking it, the policy will pay for repairs. At least that's what I was told by my agent. I've been lucky.
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Author: Bennett ★2017
Date: 2014-04-17 20:06
Like others, I've added my clarinets as scheduled personal property to my homeowner's insurance; it is less expensive (though not as encompassing) as the very specific musical instrument insurance policies available. (Google: musical instrument insurance.)
My insurer wanted values; I asked a local music store to give me same; sight unseen they quoted the retail price of new instruments. This satisfied the insurance company - though it does not mean that I will get this amount back if they are stolen. Perhaps just giving them printouts of completed sales on eBay or offerings by online instrument dealers would be satisfactory - I'd ask the agent what the company wanted.
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