Instrument Insurance

July 6, 2005 at 05:57 AM · Hi guys,

I'm just wondering what are your thoughts on insuring your instruments? Is it necessary and if so, are there special insurance agencies that look after those type of insurance policies?

thanks,

Michael

Replies (4)

July 6, 2005 at 07:14 AM · Many people use Heritage Instrument Ins..

I do, and it's quite cheap and covers just about every situation.

If you have an instrument that you would not like to have to pay for out of pocket if it is damaged/stolen, then you should probably insure it.

July 6, 2005 at 08:27 PM · I recently bought insurance from MusicPro, in upstate NY. They seemed to have a good policy, with a nice low premium, and would insure lower-value instruments. Some instrument insurance companies only insure the more valuable instruments -- and I'm guessing that if your violin isn't already insured out the wazoo, it's not one of the more valuable ones. :)

July 6, 2005 at 09:10 PM · Mine has been insured for years, and I have never had a problem that used the insurance to pay for it. Never left it somewhere, never got destroyed or damaged or anything. I'd say go for it anyway, because the second you're unprepared, the worst can happen, sometimes.

July 9, 2005 at 12:59 PM · I think it's a good idea, but my dad doesn't, so when I've got the money for it, I think I will. Not that a $1,500 violin is going to need to be insured nessesarily, but...I love my baby.

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