Insurance for my horns

Rick Denney · Post by **Rick Denney** » Mon Jan 29, 2007 9:32 pm

I got a quote from Clarion a couple of years ago, but have procrastinated foolishly. I will go through with it soon.

They quoted me $275 for a minimum coverage policy. That policy covers $35,000 of musical instruments against all potential loss except vermin and corrosion. Thus, you have to take care of your instrument, but if you fall down the stairs with it, it will be covered at full value.

The price has probably gone up since I talked with them, and the $10 per year per $1000 of coverage sounds about right.

They also have discounts for members of a range of organizations, including the AFM but NOT including ITEA.

http://www.clarionins.com

Rick "now filling out forms on their website" Denney

Chriss2760 · Post by **Chriss2760** » Mon Feb 12, 2007 8:28 pm

Here's the latest:
According to my agent even though 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 (for which I pay no extra premium.)

He assures me that anything other than an intentional loss would be covered, no matter where it occured.
Doesn't make any sense to me.

tbn.al · Post by **tbn.al** » Mon Feb 12, 2007 9:56 pm

Chriss2760 wrote: 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 · Post by **james** » Mon Feb 12, 2007 9:58 pm

one word..... Clarion.

Getzeng50s · Post by **Getzeng50s** » Mon Feb 12, 2007 11:34 pm

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

iiipopes · Post by **iiipopes** » Thu Feb 15, 2007 10:24 pm

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.