Insuring your vintage (or non vintage) guitars

JimmyAce2006 · 07-18-2008, 03:57 PM

Does anyone here insure their guitars? Most smaller collections are insured with your regular home owners policy. But there is a limit. For my needs, I was going to go through this one agent in PA who is known for a lot of musical instrument insurance. They write it through Travelers. But when I checked with my own Travelers agent, they were able to give me a much lower rate. Just curious to see what sort of insurance other people use and whether it covers transporting the instrument (in case you sell it). My insurance is for personal use, not professional or for playing gigs. It does cover transporting the instruments if I should sell one. It makes it much cheaper than paying $300-500 to insure a 15K-25K instrument through the courier. Mine is also very inexpensive and covers theft, fire, etc., comprehensive. So if you have insurance on your collection, is it expensive and what what does it cover?

diceman · 07-18-2008, 05:00 PM

I don't, but I should...

Hemply · 07-18-2008, 05:20 PM

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.

Akstrat · 08-03-2008, 08:55 AM

Heritage. There are a lot of us that use them. Your homeowners will have way too many loopholes. Do yourseld a favor and call them - 800-289-5854,

Nope, I have no affiliation.

Kim · 08-03-2008, 07:56 PM

Quote:

Originally Posted by Akstrat

Heritage. There are a lot of us that use them. Your homeowners will have way too many loopholes. Do yourseld a favor and call them - 800-289-5854,

Nope, I have no affiliation.

+1, Heritage is the best way to go

.

shotgunlew · 08-03-2008, 08:01 PM

IM going to be doing that for my rist

River · 08-03-2008, 08:06 PM

Quote:

Originally Posted by diceman

I don't, but I should...

Yeah, you should...

Sven · 08-09-2008, 11:18 PM

Anybody got a contact for them?

boogieongtr · 08-15-2008, 05:39 PM

1-800-289-8837, Ask for Joan Gallo. Best rates and covered anywhere in the world.

07-18-2008, 03:57 PM	#1 (permalink)
JimmyAce2006 Senior Member Join Date: Sep 2007 Posts: 2,696 Thanks: 2 Thanked 65 Times in 19 Posts	Insuring your vintage (or non vintage) guitars Does anyone here insure their guitars? Most smaller collections are insured with your regular home owners policy. But there is a limit. For my needs, I was going to go through this one agent in PA who is known for a lot of musical instrument insurance. They write it through Travelers. But when I checked with my own Travelers agent, they were able to give me a much lower rate. Just curious to see what sort of insurance other people use and whether it covers transporting the instrument (in case you sell it). My insurance is for personal use, not professional or for playing gigs. It does cover transporting the instruments if I should sell one. It makes it much cheaper than paying $300-500 to insure a 15K-25K instrument through the courier. Mine is also very inexpensive and covers theft, fire, etc., comprehensive. So if you have insurance on your collection, is it expensive and what what does it cover?

07-18-2008, 05:00 PM	#2 (permalink)
diceman V.I.P. Member Join Date: Jul 2007 Posts: 16,293 Thanks: 307 Thanked 88 Times in 32 Posts	Re: Insuring your vintage (or non vintage) guitars I don't, but I should... __________________ My Band: www.comeupswingingmusic.com or www.myspace.com/comeupswinging

07-18-2008, 05:20 PM	#3 (permalink)
Hemply Senior Member Join Date: Mar 2008 Location: HempLand Posts: 4,004 Thanks: 4 Thanked 65 Times in 19 Posts	Re: Insuring your vintage (or non vintage) guitars 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. __________________ *maybe my ignore list "did it" with your ignore list and they had a bunch of little I don't give a fux!!* Life's to short for bad tone

08-03-2008, 08:55 AM	#4 (permalink)
Akstrat Junior Member Join Date: Nov 2007 Posts: 23 Thanks: 0 Thanked 1 Time in 1 Post	Re: Insuring your vintage (or non vintage) guitars Heritage. There are a lot of us that use them. Your homeowners will have way too many loopholes. Do yourseld a favor and call them - 800-289-5854, Nope, I have no affiliation.

08-03-2008, 08:01 PM	#6 (permalink)
shotgunlew V.I.P. Member Join Date: Feb 2008 Posts: 3,476 Thanks: 40 Thanked 9 Times in 3 Posts	Re: Insuring your vintage (or non vintage) guitars IM going to be doing that for my rist __________________ 60% of the time...it works every time.... Gun Control = Using Both Hands!! Everyone Please Pray for Sgt Jeffery Crones and the rest of the boys in iraq! Get some boys! Chris "The Gunhand" Of the MLP Pirates Crew 1986 Les Paul Jr (Cherry red Singlecut ) 1994 MIJ fender Telecaster 52 reissue 1984 JCM 800 1x12 50 watt combo Behringer 4x12 cab (Bugera speakers)

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08-09-2008, 11:18 PM	#8 (permalink)
Sven Senior Member Join Date: Apr 2008 Location: Dallas, Texas Posts: 383 Thanks: 7 Thanked 0 Times in 0 Posts	Re: Insuring your vintage (or non vintage) guitars Anybody got a contact for them? __________________ I had Slash-tone before he did!

08-15-2008, 05:39 PM	#9 (permalink)
boogieongtr Senior Member Join Date: Aug 2008 Location: Ohio Posts: 117 Thanks: 0 Thanked 23 Times in 3 Posts	Re: Insuring your vintage (or non vintage) guitars 1-800-289-8837, Ask for Joan Gallo. Best rates and covered anywhere in the world.

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