TonyM

Searching the forum, I find messages from 2003-2004 on the subject of insurance.

Does anyone know of a way to insure a trumpet against loss (theft) while away from home. I'm NOT a professional, and I want to insure
the trumpet I've lent my grandson (a 1947 Olds Super) while he's
learning. I'm afraid that it might get stolen while he's at an "event"
sometime in the future. I had no idea of its value until my daugher saw one on a web site for $650. Mine is not in perfect shape, but I suspect its still worth at least half of that My present home insurance will pay 10% of its value if stolen away from home.

I suppose I could get a special rider, but does anyone know of any
other way?

MFfan

I would check with your homeowners agent and investigate a personal articles floater for the Olds. I used to be an adjuster. I have several low value horns insured for actual cash value very cheaply. Non professional use only, but they are covered off premises, like if someone sits on it in band class, or the kid drops it, etc. Pretty much all risk, no deductable. You may have to get an appraisal or proof of value plus the serial number. If you have a claim they weigh the cost of repair vs the ACV at the time. I can't find my copy of the actual policy now, or I could give you specifics. I don't think there are exclusions for someone else using the instrument, but not sure. Same type of policy that you would list excess jewelry, furs, fine arts, etc. that you want covered in excess of the basic form that you have. My agent takes my word (old friend) on the values and you can change the provisions if necessary.

MFfan

Try this link. Personal Articles Insurance 101
Comprehensive look at the personal articles floater that should answer a lot of your questions.

dizzyizzy

I've had one or two of my horns...AND...my daughter's violins & viola on a "rider" to my homeowners policy for years. They generally don't cover "professional" use, but stuff like college/school use is usually allowed. (CHECK with your primary insurer).

On the other hand, I have recently stopped the above and gone with CLARION ASSOCIATES, (Hauppauge, NY), (who were recommended by other site members), for insuring ALL of my instruments and my daughter's. That is a "stand-alone" policy strictly for musical instruments, covering just about "any" circumstances of loss. Pretty cheap too.

__________________
70 Burbank Benge MLP
69 Olds Recording / 60 Mendez /66 Opera / 79 A6-ST Cornet
49 Martin Committee Cornet
46 NY Bach Strad Cornet
10 York Pro Model Cornet
34 Conn 80-A / 33 22-B, New York Symphony Special / 32 40-B, Vocabell
79 38-B, Constellation / 27 2-B, New World Symphony (gold)
07 Harrelson Custom 909
06 Bach Strad VBS196 piccolo
82 Bach Strad 72/43
50's Courtios Balanced Model
06 Edwards Gen III (C)
06 Courtois 155-R Flugel
Donald Getzen Pocket Cornet

flugelgirl

My husband and I (he's a guitarist) have a seperate policy with State Farm to insure our gear for professional use, and it costs us $17 per mo. for about $30k in coverage, with no deductuble. Now we don't worry about aany of it!

Richard Oliver

The guys at GEICO gave me to Travelers -- they have a deal with them or something. I'm no pro either. Got 10K worth or 1st dollar protection -- replacement cost -- even in case of accident. Forgot premium other than it's very inexpensive and worth it.

Happy Canuck

When I called my agent (State Farm) their statsment is that since I'm not earning money playing, the horns would be covered under my household policy. I do have full pictures of the horns with a focus on the engraving/name and the serial number. And, I've monitored eBay with a number of similiar instrument auctions documented.

A friend forgot his horns (Strad Bb and C) after an outdoor concert, didn't have serials but his agent give him full replacement anyway!

__________________
Bill

Olds Ambassador, Special, Super, Recording, Mendez Bb trumpets, Custom C trumpet/GR Butcher 65.6M
Olds Opera & Ambassador A6 Shepherds Crook cornets/Sparx 4B
Olds L-12 Flugelhorn/GR Butcher 65.6FL
Schilke MII Trumpet/GR Butcher 65.6M
If you have an Olds, go to http://www.theoldsregister.com/ and add data

bilboinsa

Mind you, in many states, the HO policy will only cover up to a standard amount--i.e., $500--unless the horn is scheduled separately. Even then, the horn is insured only if the loss occurs AT HOME. Better to get a separate rider for use outside the home if that's where you use it.

__________________
Doug Walsdorf

Schilke B2
Kanstul 1525
1927 Conn 22B New York Symphony

"In a hole in the ground there lived a hobbit. Not a nasty, dirty, wet hole, filled with the ends of worms and an oozy smell, nor yet a dry, bare, sandy hole with nothing in it to sit down on or to eat: it was a hobbit-hole, and that means comfort."

TonyM

Thanks to one and all! I didn't want to use my home insurance
for personal reasons, but now I have two good alternatives. Thanks
again.