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Vintage Trumpets / Cornets Discuss Insurance? in the Equipment forums; I have been collecting milsurps for a while and found that home owners insurance wasn't the way to go once ...
  1. #1
    Mezzo Piano User Niner's Avatar
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    Insurance?

    I have been collecting milsurps for a while and found that home owners insurance wasn't the way to go once I got into it a ways. Any of you fellows that collect trumpets and or cornets seriously have insurance with a specialty collector insurance company? I've got one for my gun collection that I think does most anything including, I would imagine, musical instruments. It's a bunch cheaper and better than a rider on my home owners. However, is there one that is better than others for collecting vintage horns?

    I'm only ankle deep in trumpet and cornet collecting now....but who knows what I may do as I get older and bored with collecting Mausers and Enfields and such.

  2. #2
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    Re: Insurance?

    I finally broke down and got ins. for my horns through my home owmners. it was very reasonable and I'm glad I looked into it. I have State Farm for my bikes [motorcycles] , cars, and my home so I have a good relationship with my agent. Right now I am insuring 10 horns, have several more that I don't think I need ins. on [beaters].
    formerly known as old geezer Dave
    Chicago Benge 33XX
    Blessing 1580 [ Powell modified ]
    Getzen 800s ml Cornet P02819
    Yam. 231 Fl. 15383
    King Master Cornet 295628
    assorted other horns

  3. #3
    Forte User flugelgirl's Avatar
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    Re: Insurance?

    I also have a policy with State Farm for instruments. It covers my horns and my husband's guitar gear for replacement value, and even covers repairs. It was very cheap in conjunction with our other policies, and well worth the money spent.
    Adams A1, satin gold lacquer, 0.55 (and it's twin in clear lacquer)
    Adams F2, gold brass bell 0.55
    Yamaha 8335RGS (Navy horn)
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    50's Calicchio
    Marcienkewicz Rembrandt flugel (for sale! Contact Trent Austin for details)
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    French Besson Classic C
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    Weril Regium Eb/D (for sale soon)
    vintage Benge pocket trumpet
    Austin Custom Brass mouthpieces

    More news to come!

  4. #4
    Fortissimo User Buck with a Bach's Avatar
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    Re: Insurance?

    HMMM, never thought about that. May have to look into it as well as extra for the gun collection
    Bach Artist LTD-1
    Yamaha YTR-732( now gone)
    Selman C, rose brass( ongoing experiment)
    72 Olds Custom Crafted

    Selman Flugle( I know, it's Chinese)( Any body got a Getzen valve block I can put in this thing?)
    Conn 17A Cornet
    Bugles across America

  5. #5
    Piano User mrsemman's Avatar
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    Re: Insurance?

    I have home owner insurance through Metropolitan. I rechecked it after the tornadoes hit Massachusetts. I have complete replacement costs for home and everything in it.
    Flip Oakes Wild Thing
    Selmer Paris Piccolo Trumpet
    Eastman C Trumpet
    Zeus Guarnerius Flugel Horn
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  6. #6
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    Re: Insurance?

    I am also with State Farm and have a few questions. I was under the impression that if you make money with the horns and receive a 1099 that you can't use the home owners policy and need to take out a separate policy. Anyone in the same situation? This is after talking with my agent. Thanks!

  7. #7
    Forte User flugelgirl's Avatar
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    Re: Insurance?

    That's why we have a separate policy for our gear - when it was away from our home and on gigs it wasn't covered! We did a separate policy -musical instruments for professional use, and pay about $20 a month for 20K worth of gear. Unfortunately, I learned this lesson the hard way when someone did $500 worth of damage to my flugel at work, and it wasn't covered under homeowners. Now everything is covered for replacement value, which is great because that flu gel's price has gone up 1K since I bought mine!
    Adams A1, satin gold lacquer, 0.55 (and it's twin in clear lacquer)
    Adams F2, gold brass bell 0.55
    Yamaha 8335RGS (Navy horn)
    Reeves V Raptor
    50's Calicchio
    Marcienkewicz Rembrandt flugel (for sale! Contact Trent Austin for details)
    Schilke P5-4
    French Besson Classic C
    Yamaha 761 Eb/D
    Weril Regium Eb/D (for sale soon)
    vintage Benge pocket trumpet
    Austin Custom Brass mouthpieces

    More news to come!

  8. #8
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    Re: Insurance?

    Quote Originally Posted by flugelgirl View Post
    That's why we have a separate policy for our gear - when it was away from our home and on gigs it wasn't covered! We did a separate policy -musical instruments for professional use, and pay about $20 a month for 20K worth of gear. Unfortunately, I learned this lesson the hard way when someone did $500 worth of damage to my flugel at work, and it wasn't covered under homeowners.
    How much was bail after you knocked them silly?
    2006 Yamaha Xeno 8335RGS
    1987 Conn 100B "Doc Severinsen"
    1946 Conn 22B "New York Symphony"
    1927 Conn 6A

  9. #9
    Mezzo Piano User Niner's Avatar
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    Re: Insurance?

    I found with gun collecting that I could get better coverage for less money going other than home owners. And I found that I could get insurance that covered my collection outside of my house, at shows, and in shipment from one place to another. No serial numbers needed and a margine of safety for new unlisted additions.


    Check out the rate charts at this link.

    Collectibles Insurance - Rate Sheets

    I was just thinking that some of you must have multiple horns and some of them must be pretty valuable. A dozen horns worth on average $1000 each could be more than your home owners will want to pay, to say nothing of big deductions, if you had a theft, fire, flood....whatever kind of loss.
    Last edited by Niner; 09-30-2011 at 10:26 AM. Reason: left out a word

  10. #10
    Forte User flugelgirl's Avatar
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    Re: Insurance?

    Quote Originally Posted by operagost View Post
    How much was bail after you knocked them silly?
    Well, I never found out! If they'd fessed up I woud've been happy with at least half to cover damages - if I found out and they didn't fess up, more than likely I'd STILL be in jail!! The part that pisses me off the most is that if they'd have asked, I would have said go ahead and try it! I'm always happy to let people try my flugel because it's pretty difficult to test one unless you go to the shop - I don't personally know anyone else who has one!
    Adams A1, satin gold lacquer, 0.55 (and it's twin in clear lacquer)
    Adams F2, gold brass bell 0.55
    Yamaha 8335RGS (Navy horn)
    Reeves V Raptor
    50's Calicchio
    Marcienkewicz Rembrandt flugel (for sale! Contact Trent Austin for details)
    Schilke P5-4
    French Besson Classic C
    Yamaha 761 Eb/D
    Weril Regium Eb/D (for sale soon)
    vintage Benge pocket trumpet
    Austin Custom Brass mouthpieces

    More news to come!

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