Insurance for my horns

[tbn.al]

the underwriter won't insure my horns as "scheduled items" (for which I would pay an extra premium), they are covered under my blanket homeowner's policy as personal household property

And it shouldn't make any sense to you because it is BS. Your agent may not be musical but he can sure tap dance. You know your policy has an exclusion because you already read it to us. The company didn't print that in the policy because they had some ink left over that week. You have few options at this point.

1. If you have a claim, lie, lie, lie about ever playing for money. This becomes problematical if 1099's are in existence and insurance fraud if you are caught. Bad choice.

2. Call the claims office and get a clarification on what your agent told you. You already know what they will say.

3. Buy a specialty policy and cut through all this BS.

PM me if you need anything else. I'll be glad to try to help, but keep in mind I don't sell the specialty policy you need.

[james]

one word..... Clarion.

[Getzeng50s]

All i have to say is www.musicproinsurance.com

They charge me $125 a year for my PT6 Miraphone firebird and a Laptop.

If your worried... get insurance from a company that offers it specifically for the instrument. its awesome.

Mike

[Steve Harsch]

...policies that really dealt with casualty losses of ... goods that were supposed to be shipped into port.

My wife mentions some other odd items in this insurance line that are not goods transported "inland" from a port, such as house foundation slabs, public clocks like "Big Ben" and sometimes livestock. "Inland marine" is apparently the catch-all for all property casualty that doesn't fit anywhere else.

Steve Harsch

[iiipopes]

And another minor point of trivia, "Big Ben" is actually the name of just the bell chiming the hour in the Parliament clock tower, named after a famous boxer of the day. It cracked some years ago. A shame. I got to hear it both before it cracked and after. A real shame.

[JohnH]

State farm in SC will add coverage for your pro horns on a sliding scale, base price plus more for each $100 in value above. I forget the rates but it's not too bad. I imagine this varies by state like other insurance.

The advantage for me is I run all my insurance through one agent and yell at him if I have problems. Break up your insurance through a bunch of little companies and you save a bit but lose this leverage. I've never had a problem with a claim on house or auto.