The Gear Insurance Thread

#67
I was just thinking, I know those few people that own Strad. violins and cellos etc. have insurance policies for their instruments.. because they are around $20k + lol.. but what about those who have like vintage basses? .. do they offer insurance policies for them? I say this because my P-bass was nearly stolen if it weren't for a total stranger. I put my P-bass on the counter to get worked on and this kid was trying to play his bass about 10 feet away so I went over (probably less than 10 feet actually as I only took 2 steps) and I was showing him some stuff to play.. when a guy had a running start grabbed the bass and kept going.. until an older gentleman jumped in front of him and bear hugged my guitar which in turned made the guy trip and fall and 2 guys from the music store jumped on him (my baby didn't even go out of tune! lol) .. needless to say I took the older gentleman out to lunch for his courageous effort.. he didn't even know what the guitar was worth to me, he had no idea what it was lol.
But I digress... Does anybody offer insurance policies for our kind of instruments?
 
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#71
I once got a Sadowsky that came with an offer from an insurance company that caters to musicians. I'm sure somebody will elaborate on that soon ...

And yes, check with your homeowners (or renters) insurance to get coverage if stolen inside your house.

You can always adapt a bike chain to your bass, to secure them to amps, refrigirators, fences, telephone poles and even your wrist!

Or you can adapt an car alarm system, complete with motion detectors.

I know my bass has a "guitarist loudness alarm". When my guitar player gets too loud, my bass and amp automaticaly matches the new level, user-adjustable to -/+ 2 dbs. Pretty cool, heh? :eek:

By the way: your story is crazy about that guy trying to steal your bass like that... :rollno:
 
#72
Hmm, I could really go for a link to any insurance agencies that specialize in this. I'll be taking three basses to school with me. None of them are above $700 in value, and I don't know if it'd be worth paying the insurance, but I'd still like to have some kind of idea as to where to go for it.
 
#73
I have my basses insured through my homeowner's policy but that works ONLY if you do not use the covered instruments for any paying gigs. Since I'm not getting paid to play (MY CHOICE! - they have offered) this works for me. On my policy:
1) the coverage is a separate rider
2) I got an appraisal from Bass Alone for my equipment
3) I have to keep it updated
4) I have some stuff that is not insured
5)the insurance is much cheaper than a musical instrument policy

MAKE SURE YOU CHECK THE CONDITIONS OF COVERAGE IF YOU USE YOUR HOMEOWNERS INSURANCE.

YMMV - Dan K. :p
 
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#75
I really need to get on-board with this! either via a rider in the homeowner's policy or a stand alone musical instrument policy.

Anyone care to share what their annual premium is for their gear? like, $XXX per year for a Fodera Emperior 5, a '62 Fender Jazz, and a Thunderfunk head and a couple Avatar cabs, etc., etc.

:D
 
#76
Dan Knowlton said:
I have my basses insured through my homeowner's policy but that works ONLY if you do not use the covered instruments for any paying gigs. Since I'm not getting paid to play (MY CHOICE! - they have offered) this works for me. On my policy:
1) the coverage is a separate rider
2) I got an appraisal from Bass Alone for my equipment
3) I have to keep it updated
4) I have some stuff that is not insured
5)the insurance is much cheaper than a musical instrument policy

MAKE SURE YOU CHECK THE CONDITIONS OF COVERAGE IF YOU USE YOUR HOMEOWNERS INSURANCE.

YMMV - Dan K. :p
Click to expand...

+1000
 
#77
I would suggest reading The Gear Insurance Megathread at http://www.talkbass.com/forum/showthread.php?t=193818

As a member of the ISB (International Society of Bassists) I'm entitled to a discount. Because a large number of homeowners insurances don't cover it while out of your house or this or that, I'm soon going to be insuring my instruments under their own policy. Besides that, if you gig for money, they become professional tools under most policies, and aren't covered under homeowners insurance.
 
#78
tplyons said:
I would suggest reading The Gear Insurance Megathread at http://www.talkbass.com/forum/showthread.php?t=193818

As a member of the ISB (International Society of Bassists) I'm entitled to a discount. Because a large number of homeowners insurances don't cover it while out of your house or this or that, I'm soon going to be insuring my instruments under their own policy. Besides that, if you gig for money, they become professional tools under most policies, and aren't covered under homeowners insurance.
Click to expand...

I forgot about that one! Thanks! I currently have some of my gear on a homeowner's rider, but I'm thinking that there has to be a better way...
 
#79
gfab333 said:
Anyone care to share what their annual premium is for their gear? like, $XXX per year for a Fodera Emperior 5, a '62 Fender Jazz, and a Thunderfunk head and a couple Avatar cabs, etc., etc.

:D
Click to expand...

Heritage covers working musicians as well as music stores and dealers.
$250 a year should cover about $25,000 worth of gear. I recommend them over a rider on your homeowners.

Roger
 
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