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Trumpet Insurance



 
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matzentrpt
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Joined: 11 Sep 2004
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Location: Logan, UT (Rochester, Jacksonville)

PostPosted: Sat Jan 14, 2006 7:55 pm    Post subject: Trumpet Insurance Reply with quote

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
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Utah State University
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Don Herman rev2
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Joined: 03 May 2005
Posts: 6534
Location: Monument, CO

PostPosted: Sat Jan 14, 2006 8:42 pm    Post subject: Reply with quote

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
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wesstewart
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Joined: 14 Nov 2005
Posts: 63
Location: North Richland Hills, Texas

PostPosted: Sat Jan 14, 2006 8:55 pm    Post subject: Re: Trumpet Insurance Reply with quote

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
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Joined: 31 Oct 2002
Posts: 320

PostPosted: Sun Jan 15, 2006 12:33 pm    Post subject: Reply with quote

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.
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plankowner110
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Joined: 12 Jun 2003
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PostPosted: Sun Jan 15, 2006 1:29 pm    Post subject: Reply with quote

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.
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hose
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Joined: 29 Jun 2003
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Location: Melbourne, FL

PostPosted: Sun Jan 15, 2006 1:45 pm    Post subject: Reply with quote

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.
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Don Herman rev2
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Location: Monument, CO

PostPosted: Sun Jan 15, 2006 1:51 pm    Post subject: Reply with quote

My homeowner's coverage is way too low for musical instruments, thus the rider...
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