Instrument Insurance

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deanmccarty
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Instrument Insurance

Post by deanmccarty » Tue Jun 23, 2020 3:11 pm

I am looking for the best place to insure my collection of instruments. All of these years, and I’ve never insured them. What are some recommendations?

Thanks!
Dean McCarty
Houston area freelancer

“Have a good time... all the time.” - Viv Savage, Spinal Tap :cool:

Rath R9D - Schilke-Reichenbach, Ferguson-L
Rath R4F - Elliott 100G/G8
Rath R3F - Elliott MT100G/D4
Rath R10 - Elliott 95G/B2
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LeTromboniste
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Location: Basel, Switzerland

Re: Instrument Insurance

Post by LeTromboniste » Tue Jun 23, 2020 4:00 pm

My AFM local has a good deal with a local insurance broker who contracts our instruments coverage to Lloyd's of London. Maybe your AFM local offers something similar?
Maximilien Brisson
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harrisonreed
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Location: Yokohama, Japan

Re: Instrument Insurance

Post by harrisonreed » Tue Jun 23, 2020 4:01 pm

USAA
Jimkinkella
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Location: Los Angeles

Re: Instrument Insurance

Post by Jimkinkella » Tue Jun 23, 2020 4:22 pm

I have Clarion.
Never had to collect on anything, but they're fairly easy to work with, nice people.
And they supposedly cover earthquakes.
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Burgerbob
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Re: Instrument Insurance

Post by Burgerbob » Tue Jun 23, 2020 4:36 pm

harrisonreed wrote:
Tue Jun 23, 2020 4:01 pm
USAA
USAA said they wouldn't do it if they were for professional use.
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harrisonreed
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Re: Instrument Insurance

Post by harrisonreed » Tue Jun 23, 2020 4:46 pm

Burgerbob wrote:
Tue Jun 23, 2020 4:36 pm
harrisonreed wrote:
Tue Jun 23, 2020 4:01 pm
USAA
USAA said they wouldn't do it if they were for professional use.
Really? I was up front about mine and bought a policy that protects them against anything for a fixed period of time, barring fraud.
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Burgerbob
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Re: Instrument Insurance

Post by Burgerbob » Tue Jun 23, 2020 5:15 pm

harrisonreed wrote:
Tue Jun 23, 2020 4:46 pm
Burgerbob wrote:
Tue Jun 23, 2020 4:36 pm


USAA said they wouldn't do it if they were for professional use.
Really? I was up front about mine and bought a policy that protects them against anything for a fixed period of time, barring fraud.
Yeah, last time I asked. They'll do household possessions and some other things, but not if you make money from it.
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LeTromboniste
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Location: Basel, Switzerland

Re: Instrument Insurance

Post by LeTromboniste » Tue Jun 23, 2020 6:36 pm

I've seen discrepancies with other general/household insurance providers, where I was told by an agent it didn't matter if they were used professionally or not and would be insured either way, only to be asked later by a different agent at the same company if any of my instruments were used as work tools because then they wouldn't be covered.....
Maximilien Brisson
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MagnumH
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Location: Rochester, NY

Re: Instrument Insurance

Post by MagnumH » Tue Jun 23, 2020 9:27 pm

I used Anderson for mine - well respected insurer and a decent price (paid upfront for 3 years) including professional usage. MusicPro Insurance was my second choice. Here’s hoping I never need to find out how easy their claims process is!
Matt Hawke
Trombonist/Arranger/Bandleader
White Hot Brass Band // The Brass Machine // Jacob’s Heep
Stable: BAC Paseo W6 Custom w/ DE MTN102 B+3 mpc; King 2B w/ King 12C mpc; King sousaphone (1955-60) w/ Faxx 18 mpc
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SKAzz
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Re: Instrument Insurance

Post by SKAzz » Fri Jun 26, 2020 9:50 am

Clarion is amazing and affordable. I've got three horns on it, plus my wife's instruments. Its covers quite a bit.
MusicWagon
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Re: Instrument Insurance

Post by MusicWagon » Tue Jun 30, 2020 9:05 pm

MusicPro out of Woodbury, NY.

https://www.musicproinsurance.com/
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vetsurginc
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Re: Instrument Insurance

Post by vetsurginc » Wed Jul 01, 2020 7:42 am

Another :good: for Clarion. Cover everything except maybe leaving on a park bench overnight. Great to work with.
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