I got my violin appraised the other day, and the guy said it could be anywhere from $2,500 to $3,500, due mostly to wear and tear on it. He said it sounded very good, but had been previously repaired several times.
My question: what should I insure it for? My homeowner's policy will give me $3,000 coverage without the need for a written appraisal and with no additional premium required. If I insure it for $3,500 I'm sure I'll have to pay more. Can anybody out there give me an idea of what I can expect to pay in terms of extra premium? Or should I just call my insurance company and ask? I don't want them to think I'm trying to commit some type of fraud. Should I even bother with the extra $500 coverage?
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