FNG
Enlightened Member
My policy requires a special rider, which like a dumba** I don't have.
Deco Restring
- Thread starter Tom R
- Start date
fronobulax
Bassist, GAD and the Hot Mess Mods
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- May 3, 2007
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My policy is similar except that there is a maximum value that will paid for all "non-gigging" musical instruments. That value is something like $10K which could be less than the replacement cost for a large number of instruments or for especially valuable ones. I think the "non-gigging" definition would volunteering to entertain at a care facility or play in church but now I kind of want to go and reread the language.
Yeah, I may not have understood my Insurance guy's explanation properly. I'm going to follow up on that and make sure I'm covered.. Something like $10k just isn't going to work for me.
HeyMikey
Enlightened Member
I had to list mine separately on my homeowners with comps or appraisals for the replacement value. You may want to make sure they agree in advance what they will pay for each one. Free or payed gigs were excluded from coverage.
Once I start playing out again I may look into some other coverage like from Heritage. Then again most of my guitars won’t be used for gigging.
Once I start playing out again I may look into some other coverage like from Heritage. Then again most of my guitars won’t be used for gigging.
Richard, doubt a $110K will work for you.
I have a separate policy to cover $20K valued on 6 guitars and cost me $79 a year - one time payment. I have auto and home owners with same company. $79 a year doesn't seem bad to me.
No idea what a Deco is worth across the pond, Tom. I would guess, though, that it isn't over 3000 pounds.