Insurance

[Karen Kay]

We just got our "revised" coverage Inland Marine Musical Instrument Floater. #When we looked it over it was riddled with mistakes. #Wrong serial numbers, amounts, dates, ages etc. #Unless you have the world's most forgiving carrier and we bet you don't, these are all problems that will deny you coverage if you should ever have to make a claim. Let's get off Gibson and get on insurers who are tickled to take your premiums (and cancel in a heartbeat if they don't) but are no where to be found come claims time. #They neglected to insure our two "New" old Gibsons. #Review your policies ASAP. #
KK and RT

[kudzugypsy]

i agree, unfortunately its gonna take someone here on the cafe having a BAD experience to bring this issue to light.

[acousticphd]

Thanks, Karen. I would guess you checked into various companies that would insure instruments. Any other suggestions? There was one I read about a few years ago, but I can't remember it now (only it wasn't the company you mentioned).

[Karen Kay]

It has been our experience (limited as it is) that most insurers will only validate claims that match up exactly with their records. #So, if they are mistaken, they refuse to pay off. #This has happened to us in car insurance especially. #This particular company is local to Kansas and not nationwide. #We have a "package" deal for our total insurance (including a 22 yr old son) so shopping this out would jepordize the deal. #Just be totally aware of what your carrier will and will not do in time of need. #You pay them to be insured not the other way around. #We have never heard of anyone having any experiences with mandolins specifically, but have no reason to believe that they would be any less problematic.