 The Clarinet BBoard
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Author: Roxann
Date: 2014-12-14 18:37
My previous post brought up a whole new topic for me. I've never seen any signs around the town where I live advertising "clarinet insurance sold here!" I know I can go on-line and probably find quite a few companies who sell it. However, it's always nice to have recommendations from folks you trust. Are there particular companies you BBoard members highly recommend? And it sounds like it's important for the insurance to say "full replacement value" if it is lost, stolen, or damaged beyond repair...true?
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Author: clarnibass
Date: 2014-12-14 20:24
Pretty much everyone I know (students, pros, etc.) uses Lark, but it might be different in USA.
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Author: Zenia
Date: 2014-12-14 20:54
Not sure about other countries but in Canada, specifically the province of Ontario, it's most common to add a full replacement rider to one's home policy, whether you're renting or own your home.
Zack
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Author: Ed Palanker
Date: 2014-12-15 00:35
Assuming you have a home owerners insurance policy, or a renters policy, either which you should have in case of theft or fire, you should put it on a flier, that will be the cheapest most of the time. Most companies have jewelry or other personal item fliers.
ESP eddiesclarinet.com
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Author: Barry Vincent
Date: 2014-12-15 00:52
I second what Ed Palanker said. However , if you remove your Clarinet , or any other valuable item from your home it's most likely NOT covered.
Also , if you leave your home unlocked whilst away and your valuables are stolen, then legally there's no 'break in' and therefore no insurance cover.
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Author: Zenia
Date: 2014-12-15 01:18
Maybe in Australia this is the case but full value replacement home insurance here covers many items that are regularly taken out of the house. For example watches, rings, musical instruments, fur coats, and any electronic item imaginable.
Zack
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Author: Ed Palanker
Date: 2014-12-16 05:29
It depend on your policy. My car was broken in years ago and I had several Xmas presents stolen. My home owners covered them because they were mine. Check with you insurance co. to make sure they will insure them out of the house.
ESP eddiesclarinet.com
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Author: kdk
Date: 2014-12-16 05:43
Homeowners' policies may cover an instrument if it's for personal (recreational) use, but if you use it for paying work (i.e. professionally) probably not, as I understand things here in the U.S.. There are several insurance companies that market insurance specifically for instruments that are used professionally, but I think most general coverage insurers don't.
Karl
Post Edited (2014-12-16 18:42)
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Author: Roxann
Date: 2014-12-16 05:44
LOTS of valuable information. Thanks, everybody! I'm calling my homeowner's insurer tomorrow. If that gets me nowhere, I'll try your other suggestions.
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