Instrument Insurance

deanmccarty · Post by **deanmccarty** » Tue Jun 23, 2020 3:11 pm

I am looking for the best place to insure my collection of instruments. All of these years, and I’ve never insured them. What are some recommendations?

Thanks!

LeTromboniste · Post by **LeTromboniste** » Tue Jun 23, 2020 4:00 pm

My AFM local has a good deal with a local insurance broker who contracts our instruments coverage to Lloyd's of London. Maybe your AFM local offers something similar?

harrisonreed · Post by **harrisonreed** » Tue Jun 23, 2020 4:01 pm

Jimkinkella · Post by **Jimkinkella** » Tue Jun 23, 2020 4:22 pm

I have Clarion.
Never had to collect on anything, but they're fairly easy to work with, nice people.
And they supposedly cover earthquakes.

Burgerbob · Post by **Burgerbob** » Tue Jun 23, 2020 4:36 pm

harrisonreed wrote: ↑Tue Jun 23, 2020 4:01 pmUSAA

USAA said they wouldn't do it if they were for professional use.

harrisonreed · Post by **harrisonreed** » Tue Jun 23, 2020 4:46 pm

Burgerbob wrote: ↑Tue Jun 23, 2020 4:36 pm
harrisonreed wrote: ↑Tue Jun 23, 2020 4:01 pmUSAA
USAA said they wouldn't do it if they were for professional use.

Really? I was up front about mine and bought a policy that protects them against anything for a fixed period of time, barring fraud.

Burgerbob · Post by **Burgerbob** » Tue Jun 23, 2020 5:15 pm

harrisonreed wrote: ↑Tue Jun 23, 2020 4:46 pm
Burgerbob wrote: ↑Tue Jun 23, 2020 4:36 pm

USAA said they wouldn't do it if they were for professional use.
Really? I was up front about mine and bought a policy that protects them against anything for a fixed period of time, barring fraud.

Yeah, last time I asked. They'll do household possessions and some other things, but not if you make money from it.

LeTromboniste · Post by **LeTromboniste** » Tue Jun 23, 2020 6:36 pm

I've seen discrepancies with other general/household insurance providers, where I was told by an agent it didn't matter if they were used professionally or not and would be insured either way, only to be asked later by a different agent at the same company if any of my instruments were used as work tools because then they wouldn't be covered.....

MagnumH · Post by **MagnumH** » Tue Jun 23, 2020 9:27 pm

I used Anderson for mine - well respected insurer and a decent price (paid upfront for 3 years) including professional usage. MusicPro Insurance was my second choice. Here’s hoping I never need to find out how easy their claims process is!

SKAzz · Post by **SKAzz** » Fri Jun 26, 2020 9:50 am

Clarion is amazing and affordable. I've got three horns on it, plus my wife's instruments. Its covers quite a bit.

MusicWagon · Post by **MusicWagon** » Tue Jun 30, 2020 9:05 pm

MusicPro out of Woodbury, NY.

https://www.musicproinsurance.com/

vetsurginc · Post by **vetsurginc** » Wed Jul 01, 2020 7:42 am

Another

for Clarion. Cover everything except maybe leaving on a park bench overnight. Great to work with.

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