I am trying to obtain insurance for my instruments and wondering if anyone has suggestions for a less complicated process.
I was told I need an INLAND MARINE POLICY. Quoted a price of $64.00 per year which I found reasonable.
Now the complicated part. The STATE FARM underwriters want me to provide written appraisals on all instruments valued over $1,000.00 This happens to be all of my instruments with exception to my campfire mandolins. I have already provided make, models, serial numbers, years of build, condition, extras, etc.
Has this been the experience of others? If not, would you provide me with insurance companies easier to work and specialize in instrument insurance or other options?
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