[Hemply]

I have the same coverage you do Jimmy, just add riders onto my homeowners according to the value of the guitar. My rule of thumb is I use the MSRP and insure it for at least that much unless it's something thats irreplaceable then I may up the coverage amount.

If I put one in the shop for some work I will also insure it with the store. I usually do this for a flat amount of $6k in case something happens while they have the guitar. If for instance something did happen I would get their $6k plus what I have it insured for on my homeowners. It's just easier this way since I do not travel with my axes. I can't see myself selling any of them but if I did I would call my agent about adding something to the current coverage or dole out the money for the shipper to insure.

When you start talking about "specialty brokers" your gonna pay a premium for their attention. So unless your collection is worth a few million I wouldn't bother.