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Discussion Starter · #1 ·
All I need some help:

Long story short:
my wife and I had renters insurance for apartment which my horns were covered under that specific policy. However, we have since purchased a home and our home owners policy is covered through our mortgage loan. It will not cover my horns and I am having trouble getting them insured through different insurance companies. I have both bills of sale for each horn but I am stuck as I can not afford to replace the horns should something happen....any advice guys???
 

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Discussion Starter · #3 ·
well I play anywhere from 10-20 weddings a year and get paid as well as 8-10 Christmas parties a year and do concerts in churches for a love offering...so that would put me in the pro category
 

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You will need to get a separate insurance policy for your "tools" then. I had a friend who used allstate, but I am sure there are better options out there. Try contacting the local musicians union.
 

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I have a page on this.

http://www.petethomas.co.uk/saxophone-insurance.html

Even when you find a company there are lots of minefields to look out for. In the Uk there are quite a few companies who specialise in instruments and pro muscians, there must also be some over there. The first place to ask might be the local union.
 

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bamakevin said:
All I need some help:

Long story short:
my wife and I had renters insurance for apartment which my horns were covered under that specific policy. However, we have since purchased a home and our home owners policy is covered through our mortgage loan. It will not cover my horns and I am having trouble getting them insured through different insurance companies. I have both bills of sale for each horn but I am stuck as I can not afford to replace the horns should something happen....any advice guys???
You're current company should be able to issue a "rider" to your policy to cover musical instruments, as well as antiques, jewelry, etc. Note that many policies/riders will exclude goods that are used professionally, in which case, you will need to purchase separate coverage.
 

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Here in Britain I just had to specify my horns as "two saxophones" and their value, they didn't really want to know the make or serial numbers, same as my golf "stuff," this is described and valued as "golf equipment £1000" and they didn't even want to know what it included, makes or whatever.
The policy just lists them all as I described them.
It's all done over the phone or via the internet with nothing to sign. I change insurers quite regularly, sometimes as frequently as every twelve months depending on the deal. I guess any insurer has access to any claims made previously by you or your address. It may also depend as here, on your post code. It might be very different if you've a claims "history."
 

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I use Clarion Insurance .It comes out to about $10.00/ $1000.00 but I think there is a minimum amount you need to insure.
 

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I keep meaning to get this taken care of. I plan on getting it done through SOCAN (the Canadian equivalent of ASCAP/BMI). If you've written and registered music, it might be worth looking into.
 

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Honeyboy said:
I use Clarion Insurance .It comes out to about $10.00/ $1000.00 but I think there is a minimum amount you need to insure.

Is this annual or monthly? I can never seem to figure that one out.
 

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Swampcabbage said:
Is this annual or monthly? I can never seem to figure that one out.
You pay for a year. so, let's say you want to insure $25,000 worth of stuff, you get billled for a little less than $250.00 for the year.
 

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Allstate offers (or at least did the last time I renewed my policy) either non-commercial or commercial use insurance on musical instruments as part of their homeowner's policies here in Texas. The cost for commercial is twice that of non-commercial, but it is a legitimate business expense that can be used to reduce the taxes paid on the music income.

Ever since I had my first musical instruments bought for me as a wee sprout, I have lived in mortal fear of leaving one behind (particularly when playing shows, which often find me burdened with four or more "boxes" to keep track of). This paranoia has served me well over the years, and I have only once left a horn behind in the confusion. Luckily, it was a flute, thus giving no one the incentive to want to boost it.

Since that time, I have discovered that my baritone case (a Yamaha YBS-62 one that weighs a short tonne) has a slot built into it to hold a flute case. Problem solved!
 
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