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Message 7717
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| Subject: | Re: [RESOGUIT-L] Instument insurance | | Date: | Monday, October 29, 2007 21:21:00 (-0500) | | From: | David Tanner <dcsrt @.....net>
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Yeah, as I mentioned, my instruments are scheduled on my homeowners
policy. Checked with my agent today and they are covered while
traveling for the value I put on them when I scheduled them.
Basically replacement value, maybe a little more. Costs a bit
additional to the policy but not much. One big caveat: I'm not a
professional musician. That of course changes everything. ;+) - Dave
On Oct 24, 2007, at 8:36 PM, DOBROBO1@aol.com wrote:
>
> In a message dated 10/23/2007 11:19:06 P.M. Central Daylight Time,
> dmcanell@yahoo.com writes:
>
>> think it works if I'm traveling with them
>
> I doubt it very much unless you have a special rider
> on the policy for it. And certainly not for
> replacement value. You had better talk to your agent.
> It can be added and is fairly reasonable (or at least
> it used to be when I did it).
>
>
>
>
> I'm closing on a new house tomorrow and this came up in talking
> with my
> agent this week. The homeowner's policy does not include the
> instruments once
> taken out of the house. You can get a separate policy to cover
> them. That's
> not to say every insurance company deals with it this way, but my
> insurance is
> with State Farm, so I would think that it's pretty much an industry
> standard. You also might want to check how much your homeowners
> policy covers them
> for - because the standard coverage limit was $2500. Of course
> you can bump
> that amount up and it only makes a small difference in the premium.
>
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