Instrument Insurance

[jeffyork]

I've run into a problem and I'm looking for suggestions. I recently got what is for me and expensive instrument (An Ellis A5). I called up my renters insurance to make sure it was covered, and unfortunately, I told them that I'm sometimes compensated for playing when they asked. According to them, this makes me a "professional" :)) and as such, my instument is not covered.

Since I made literally tens of dollars last year in my professional capacity, I'm in a fix, as insurance through someone like Heritage runs at least $250 a year. Other ideas for insuring instruments for less? Or, do I just have to drop some coin for piece of mind? Thanks for your ideas!


BTW - The Ellis is AWESOME and worth every bit of worry!

[mandroid]

Musician's Union A F of M has member's policys available, worth a look , they have a group Dental plan too .

[MikeEdgerton]

Take a look through these (http://www.mandolincafe.com/forum/search.php?query=insurance&exactname=0&starteronly=0&forumchoice%5B%5D=&prefixchoice%5B%5D=&childforums=1&titleonly=1&searchdate=1&beforeafter=before&do=process) threads.

[mando1man]

I have had insurance with Clarion for a few years.
http://www.clarionins.com/

I have been shopping for a better rate. I tried Anderson Group:
https://www.anderson-group.com/

and Heritage:
http://www.musicins.com/

I believe they are all good companies. Read about their coverage on their websites. Ask questions. And when they give you a rate ask them "Can you give me a better rate?" It works, they should give you a lower rate.

[Greenmando]

Tell your agent you made a mistake and play the b**jo for money. Claim brain damage?,, They will likely start writing you checks.

[Lawn Jockey]

I've had Clarion, Heritage, and am now with Anderson. I'm with Anderson due to the fact that the coverage amounts are the same.......but there is a deductible.......which results in a lower premium. That is about the only difference between the three.

[jeffyork]

Thanks to all of you for the helpful replies. Think I'm gonna check out Anderson as I'm pretty from from the $25K minimum with Heritage.