Amp and equipment Insurance

Discussion in 'Amps and Cabs' started by pharmx, Mar 16, 2008.

  1. pharmx

    pharmx Member

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    While reading some of the threads posted here, it has occurred to me that some people have tens of thousands of dollars invested in their amps and musical instruments. What are you guys using to protect your investment? Is there a good insurance policy out there, specifically for music gear? I'm guessing that if you own a home and don't gig with your equipment, it may be covered under your homeowner's policy, but what about everyone else?
     
  2. Jack Briggs

    Jack Briggs Member

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    The Heritage. 800.289.8837. Ask for Joan Gallo.
     
  3. fjam82

    fjam82 Member

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    +1 for that.. I bought a couple of custom guitars from a local builder.. he only does it part time and doesn't give receipts.. how would I be able to get the guitars valued for insurance purposes?
     
  4. 6120

    6120 Member

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    Heritage +1 !!!
     
  5. blackba

    blackba Supporting Member

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    Mine is covered under my homeowners insurance, but that does not cover gigging :(
     
  6. mlongano

    mlongano Member

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    Heritage for me also.
     
  7. FourT6and2

    FourT6and2 Member

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    Covered under homeowner's insurance.
     
  8. drbob1

    drbob1 Silver Supporting Member

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    Both. I have Heritage for the pricey stuff and stuff that's loaned out to a producer. Most of the rest is scheduled on my homeowner's insurance...
     
  9. mlongano

    mlongano Member

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    You might want to check the maximum amount of coverage for musical instruments to be sure....most homeowners policies limit it to about $5,000.00 unless you pay to have an additional "personal articles" rider.
     
  10. Guitar Adjuster

    Guitar Adjuster Member

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    Plus the fact that if its used for a business, trade or profession it's limited to $2500 on premises and $500 off premises. Get separate coverage if your a gigging musician!!!!
     
  11. pharmx

    pharmx Member

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    So Heritage is the way to go then? Anyone have experiences with any other companies?
     
  12. Squigglefunk

    Squigglefunk Senior Member

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    how to they assess value of vintage amps? I mean I might have only paid $250 for an old fender but to replace it might be $2,500?
     
  13. mprvise

    mprvise Member

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    It's my understanding that what you pay for the policy is based on the amount you give them. Over $5000.00 per item needs appraisal I think. And another +1 for Heritage.
     
  14. buddaman71

    buddaman71 Student of Life Silver Supporting Member

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    I have a Personal Articles policy added to my regular insurance through State Farm. Very reasonable, you just have to give them an itemized list of the equipment.

    :BEER
     
  15. semi-hollowbody

    semi-hollowbody Member

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    homeowners
    when I start playing out I will add additional coverage for playing out
     

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