| Author | Message | ||
| glocke
Junior Username: glocke Post Number: 11 Registered: 9-2002 |
I would like to get my series I bass and some other instruments insured against damage and theft on gigs. Does anyone have any suggestions on how to do this? I am currently looking at having them added as a rider to my homeowners policy. | ||
| davehouck
Advanced Member Username: davehouck Post Number: 317 Registered: 5-2002 |
As I understand it, if you get paid to play, your homeowner's policy will not cover your instruments. I have my bass rig insured under a commercial policy. I set my policy up using stated values for each item, which suits my situation and is very reasonably priced. The values I chose are what I believe I can expect to pay for an equivalent used item. Everything I take out of the house is on that policy. I can add or deduct items or change values just by faxing my agent. There have been some previous discussions on this topic you may want to read through; here are a couple: http://alembic.com/club/messages/394/4384.html http://alembic.com/club/messages/393/5762.html | ||
| bob
Intermediate Member Username: bob Post Number: 119 Registered: 11-2002 |
I do not get paid to play, and there seem to be some great suggestions in the threads Dave mentions above. However, I wouldn't just give up on your homeowners' policy without making a phone call - there are a lot of variations. I called mine just to make sure there wasn't a limit on personal coverage, and they were willing to talk about professional coverage. My guess is it might have turned out to be more expensive than others, but it's worth a phone call. | ||
| davehouck
Advanced Member Username: davehouck Post Number: 320 Registered: 5-2002 |
I agree, it's worth the phone call. The agent who has my homehowner's insurance also wrote the commercial policy. I made sure he knew exactly what I was doing; I asked him lots of "what ifs". |
