insurance

dizforprez · 02-12-2005, 06:07 PM

How many of you guys have this for your horns? If you do what kind of set up do you have or details can you give me?

I am looking to set something up next week and wanted to get some back ground info.

Thanks,

Jason

ChasStarr · 02-12-2005, 06:57 PM

I have mine set up through my homeowners policy. It's a specific rider with an extra charge....small enough that I'm not sure of the cost anymore. Same with my wife's jewelry. Less than a $100 bucks a year for everything. Horns and jewelry.

riffdawg2000 · 02-12-2005, 07:35 PM

Stae Farm has a Personal Articles Policy. Cost me about $58 a year to cover replacement cost (at present or future value)

Anonymous · 02-12-2005, 07:52 PM

If you make money playing the trumpet I don't think you are going to be able to get your horns covered under any home owners policy. If you belong to your musicians union you should check there first. I have had luck with state farm. They have instrument insurance I also insure my car with them so I think I get a break. Check around

Tootsall · 02-12-2005, 09:44 PM

I think if you are professional you must get special insurance but not necessarily as a rider to your home policy. I just renewed my home insurance and pay $77 per year for $12,000 coverage on a musical instrument rider... which is 0.66%.

yesenia · 02-12-2005, 10:08 PM

I am actually doing this with State Farm right now. As long as I am a student I will annually pay $.48 per $100 of the insured value of my instruments which will ride on my renter and auto policy. If/when I get a job, I will pay approximately $2.21 per $100 for the first 2K and then $.48 per $100 thereafter.

It covers me anywhere I take or leave my equipment, and for almost any reason. It also covers my cases, mutes, and mouthpieces with no deductible at replacement cost.

old geezer · 02-14-2005, 09:22 AM

I have State Farm for my autos plus my home and my agent told me as long as my claim is not at a place where I am being paid to play, my home owners will cover it. I would need a rider to cover my horns for a paying gig. old geezer Dave

dizforprez · 02-23-2005, 04:32 PM

Quote:

Originally Posted by riffdawg2000

Stae Farm has a Personal Articles Policy. Cost me about $58 a year to cover replacement cost (at present or future value)

Joel,

there are trying to give me the same policy for 89 a year, what did you say to them to get it down to 58?

riffdawg2000 · 02-23-2005, 06:07 PM

Actually ... it is like $64 a year ... covers ALL my horns including the Chicago ... mouthpieces, books, mutes, etc... I inventoried EVERYTHING!

dizforprez · 02-23-2005, 06:13 PM

i was trying to cover for $6,000, hardly everything, but it would have been enough to replace my picc, B flat and C.

did they cut you some kind of deal for having other polices with them? do you have a deductible?

02-12-2005, 06:07 PM	#1 (permalink)
dizforprez Forte User Join Date: Nov 2003 Posts: 1,028	insurance How many of you guys have this for your horns? If you do what kind of set up do you have or details can you give me? I am looking to set something up next week and wanted to get some back ground info. Thanks, Jason

02-12-2005, 07:35 PM	#3 (permalink)
riffdawg2000 Pianissimo User Join Date: Jan 2004 Location: Atlanta, GA Posts: 64	Stae Farm has a Personal Articles Policy. Cost me about $58 a year to cover replacement cost (at present or future value)
	__________________ Joel Thomas Atlanta, Georgia

02-14-2005, 09:22 AM	#7 (permalink)
old geezer Pianissimo User Join Date: Dec 2004 Location: Indianapolis,In. Posts: 174	I have State Farm for my autos plus my home and my agent told me as long as my claim is not at a place where I am being paid to play, my home owners will cover it. I would need a rider to cover my horns for a paying gig. old geezer Dave
	__________________ L.A.Benge 2ML 16389 L.A.Benge 2MLP 11745 K- Allmen 1414 Yamaha 231 Flugel 15383 Olds Amb. Cornet 50734

02-23-2005, 06:07 PM	#9 (permalink)
riffdawg2000 Pianissimo User Join Date: Jan 2004 Location: Atlanta, GA Posts: 64	Actually ... it is like $64 a year ... covers ALL my horns including the Chicago ... mouthpieces, books, mutes, etc... I inventoried EVERYTHING!
	__________________ Joel Thomas Atlanta, Georgia

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02-12-2005, 06:57 PM	#2 (permalink)
ChasStarr Pianissimo User Join Date: Feb 2004 Location: NE Louisiana Posts: 94	I have mine set up through my homeowners policy. It's a specific rider with an extra charge....small enough that I'm not sure of the cost anymore. Same with my wife's jewelry. Less than a $100 bucks a year for everything. Horns and jewelry.

02-12-2005, 07:52 PM	#4 (permalink)
Anonymous Forte User Join Date: Oct 2003 Posts: 1,127	If you make money playing the trumpet I don't think you are going to be able to get your horns covered under any home owners policy. If you belong to your musicians union you should check there first. I have had luck with state farm. They have instrument insurance I also insure my car with them so I think I get a break. Check around

02-12-2005, 09:44 PM	#5 (permalink)
Tootsall Fortissimo User Join Date: Oct 2003 Location: Yee HAW! Posts: 4,641	I think if you are professional you must get special insurance but not necessarily as a rider to your home policy. I just renewed my home insurance and pay $77 per year for $12,000 coverage on a musical instrument rider... which is 0.66%.

02-12-2005, 10:08 PM	#6 (permalink)
yesenia New Friend Join Date: Feb 2005 Location: Bloomington, IN Posts: 13	I am actually doing this with State Farm right now. As long as I am a student I will annually pay $.48 per $100 of the insured value of my instruments which will ride on my renter and auto policy. If/when I get a job, I will pay approximately $2.21 per $100 for the first 2K and then $.48 per $100 thereafter. It covers me anywhere I take or leave my equipment, and for almost any reason. It also covers my cases, mutes, and mouthpieces with no deductible at replacement cost.

02-23-2005, 06:13 PM	#10 (permalink)
dizforprez Forte User Join Date: Nov 2003 Posts: 1,028	i was trying to cover for $6,000, hardly everything, but it would have been enough to replace my picc, B flat and C. did they cut you some kind of deal for having other polices with them? do you have a deductible?

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