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Insurance for Guitar
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BarkellWH
Posts: 3460
Joined: Jul. 12 2009
From: Washington, DC
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Insurance for Guitar
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Do those of you who have expensive guitars have insurance coverage? I have not seen anything on the Foro about insurance. Just FYI, I have a Gerundino that My guru Paco de Malaga gave me a nice deal on about a year ago, and we estimate its value at about $12,000. I had delayed looking into insurance, but purchased coverage today for a maximum amount of $12,000. The policy covers unintentional damage, breakage, theft, fire, etc., and the annual premium is only $37. That seems to me like a very inexpensive annual premium to cover a valuable instrument. Just posting this for information, and to see what others do in terms of insurance. Cheers, Bill
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And the end of the fight is a tombstone white, With the name of the late deceased, And the epitaph drear, "A fool lies here, Who tried to hustle the East." --Rudyard Kipling
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REPORT THIS POST AS INAPPROPRIATE |
Date Jan. 11 2013 15:55:07
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BarkellWH
Posts: 3460
Joined: Jul. 12 2009
From: Washington, DC
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RE: Insurance for Guitar (in reply to tri7/5)
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quote:
Home owners/renters insurance covers against fire/theft etc. it but if you are gigging and/or travel it wouldn't if something happened in that regard. That's the reason I finally looked into, and purchased, insurance specific to the instrument. This type of insurance covers damage and breakage no matter where it is. I occasionally travel on consulting gigs (nothing to do with music) both in the U.S. and overseas, and I sometimes take my guitar in order to have it with me and play for my own enjoyment. Another thing I found out, at least regarding my homeowner's coverage, is that there is coverage on such things as musical instruments and jewelry (for fire and theft), but only in the home and only up to a certain amount (in my case, $10,000). And any deductible on one's homeowner's insurance policy would apply in the case of a damaged, destroyed, or stolen guitar as well. Any damage or destruction above the upper limit will not be covered unless special insurance specific to the instrument is purchased. In my case, to insure my Gerundino, with an estimated value of $12,000, for the full amount of its value should it be destroyed, at an annual premium of $37 seemed like a pretty good deal. Cheers, Bill
_____________________________
And the end of the fight is a tombstone white, With the name of the late deceased, And the epitaph drear, "A fool lies here, Who tried to hustle the East." --Rudyard Kipling
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REPORT THIS POST AS INAPPROPRIATE |
Date Jan. 11 2013 19:28:23
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BarkellWH
Posts: 3460
Joined: Jul. 12 2009
From: Washington, DC
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RE: Insurance for Guitar (in reply to britguy)
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I'm with USAA, Britguy. And, yes, I have all my insurance (home and auto) with them. The catch is, insurance with USAA is only available for active and retired U.S. military officers and Foreign Service Officers. Nevertheless, the low premium leads me to believe that any reputable insurance company would have similar insurance for a reasonable annual premium. Cheers, Bill
_____________________________
And the end of the fight is a tombstone white, With the name of the late deceased, And the epitaph drear, "A fool lies here, Who tried to hustle the East." --Rudyard Kipling
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REPORT THIS POST AS INAPPROPRIATE |
Date Jan. 12 2013 14:29:29
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