insurance on gear

slackin@dabass · Post by **slackin@dabass** » Sat Oct 25, 2008 7:09 am

hey everyone, i was talking to metalchurch a little bit ago and he mentioned insurance on your gear, and i was just wondering........ how does one go about it? metalchurch said that there was a thread up about it awhile back, but, i can't find it.

basically just wondering who to go thru, what kind of insurance it is, what kind of coverage it consists of, and just the basics. any help is appreciated!!!

Killjingle · Post by **Killjingle** » Sat Oct 25, 2008 11:47 am

http://rockpage.net/phpbb2/viewtopic.ph ... =insurance

Feelgood · Post by **Feelgood** » Sat Oct 25, 2008 1:01 pm

I remember that thread. I do plan on getting insurance on my gear once I get my new kit in the near future. It is too much of an investment.

metalchurch · Post by **metalchurch** » Sat Oct 25, 2008 10:56 pm

Thanks Chad, that's the thread I was talking about.
There's very good and useful info on there, and I highly recommend all of you musicians to take a second and read over that thread if you havent already.

Protecting your investments is always a smart decision.

slackin@dabass · Post by **slackin@dabass** » Sat Oct 25, 2008 11:18 pm

thanks everyone, i appreciate the help. although i have no renters insurance, i would like to insure my instruments at least... apart from an xbox, t.v., dvd player and vcr and clothes and such, i only have instruments. well... and a car if you can all it that

REDillon · Post by **REDillon** » Sun Oct 26, 2008 6:50 pm

I work in the insurance biz....zzzzzzzzzz.....but I have learned that you need a personal articles floater for your gear. They look at musical equipment a s HIGH RISK if you're make money off your playing because it's out in places here it COULD get stolen or damaged.

All insurance companies have different policies on musical equipment. Best thing to do is to call whom ever you have and ask them what kind of policy they recommend for a gigging musician who makes money from using their gear.

Please don't call me, during work hours as I am WAYYYY to busy playing Cat Bowling, surfing the net and thinking up stupid topics for forum discussions.

Thank you for calling State Farm.

slackin@dabass · Post by **slackin@dabass** » Sun Oct 26, 2008 6:55 pm

so from what i understand from this thread is that i'm supposed to call my current provider? of what? auto insurance? i mean, i have no renters insurance, or health insurance or any other kind of insurance, and i don't think safe auto is going to cover my instruments. i also kind of get the feeling that this is going to be way expensive because my gear is used to play out with... any one out there have insurance on their gear that htey play out with? any one have a ballpark figure for what i'm going to pay a month? ugh... i hate insurance.

REDillon · Post by **REDillon** » Sun Oct 26, 2008 7:03 pm

Safe Auto will not help you my friend. You need to call a company such as ALLSTATE, State Farm, NATIONWIDE etc. They'll point you in the right direction. Renters insurance only covers your belongings where you are renting, as is relatively cheap depending on the amount of coverage you request. Let's say 100 bucks a year. Now, for equipment you may want to get a specific coverage called a FLOATER. I don't know what it would cost because insurance is VERY individual to each person and company. Again, all it'll take is a phone call.

Please hang up and make your call again....

Pizon · Post by **Pizon** » Tue Oct 28, 2008 4:51 pm

Geting insurance on gear is tough! took me a long time, but my current
insurance company took me on only because i've been a long paying
customer with a good record. You have to get a "marine" policy. I got it
thru Erie insurance. The only thing i can tell you is too shop around and
see if any companies are willing to do a policy for you. only cost me
about $85/yr to insure my stuff. Good luck.