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matzentrpt Heavyweight Member
Joined: 11 Sep 2004 Posts: 552 Location: Logan, UT (Rochester, Jacksonville)
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Posted: Sat Jan 14, 2006 7:55 pm Post subject: Trumpet Insurance |
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How is it you get insurance for your horns? I have several of them, and sometimes I freak out when I think of them getting stolen or damaged.
ANY help would be appreciated. Thanks in advance.
-Max _________________ Max Matzen, DMA
Associate Professor of Trumpet
Utah State University |
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Don Herman rev2 'Chicago School' Forum Moderator
Joined: 03 May 2005 Posts: 8951 Location: Monument, CO
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Posted: Sat Jan 14, 2006 8:42 pm Post subject: |
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My company (State Farm) here (in Colorado) offers several options. For homeowners, there's a musical instruments rider which isn't too pricey. I f you make money (ANY money), a little more gets insurance for "professionals". I haven't quoted rates recently, but it wasn't too pricey -- around $100 - $150/year for my stable, which includes some pretty nice horns and a grand piano.
They also have a rider for renters, though I believe it costs a bit more.
HTH - Don _________________ "After silence, that which best expresses the inexpressible, is music" - Aldous Huxley |
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wesstewart Regular Member
Joined: 14 Nov 2005 Posts: 63 Location: North Richland Hills, Texas
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Posted: Sat Jan 14, 2006 8:55 pm Post subject: Re: Trumpet Insurance |
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Music Agency, Inc. main business is for band students, but they also insure non students as long as you do not get paid for playing your musical instruments (professional). I do computer consulting and this company is one of my clients. Good people.
www.musicagencyinc.com |
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bkmdano Veteran Member
Joined: 31 Oct 2002 Posts: 328
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Posted: Sun Jan 15, 2006 12:33 pm Post subject: |
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You should contact your home-owners insurance agent for advice. Since I am not a professional musician, my horns are covered automatically under the contents section of my HO insurance policy. If you do make money using the horns, you will need to purchase insurance on them. Your agent will be able to lead you in the right direction. _________________ Dan
Schilke B7Lgp
Schilke S33HDLg
Lawler TL6r1a
Schilke 1040 flugelhorn |
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plankowner110 Heavyweight Member
Joined: 12 Jun 2003 Posts: 3620
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Posted: Sun Jan 15, 2006 1:29 pm Post subject: |
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If you do not use your instruments professionally, then you can add a rider to your homeowner's policy. For example, I have my Nikon photo equipment covered by a rider. It's easy to do. These riders do not generally cover professional use.
The American Federation of Musicians offers instrument insurance to its members through an underwriter. _________________ C. G. Conn 60B Super Connstellation
Getzen 800S Eterna cornet
Bach 5C (Jens Lindemann is right)
https://www.trumpetherald.com/forum/viewtopic.php?t=26763 |
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hose Heavyweight Member
Joined: 29 Jun 2003 Posts: 1854 Location: Winter Garden, FL
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Posted: Sun Jan 15, 2006 1:45 pm Post subject: |
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The differences in coverage under a HO policy and a separate Personal Articles Floater policy is: The PAF is "all risk" as opposed to certain "named perils" with the HO. Also, your HO has a deductible and the PAF policy usually does not. _________________ Dave Wisner
Picketts
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Yamaha 8335RS
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Don Herman rev2 'Chicago School' Forum Moderator
Joined: 03 May 2005 Posts: 8951 Location: Monument, CO
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Posted: Sun Jan 15, 2006 1:51 pm Post subject: |
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My homeowner's coverage is way too low for musical instruments, thus the rider... _________________ "After silence, that which best expresses the inexpressible, is music" - Aldous Huxley |
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