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Location: Utah | State Farm offers a decent looking instrument policy. For $60 I can insure all my instruments against all types of losses. But now they're asking for appraisals for those I listed at over $1k, which is all of them at this point!
Has anyone had their O or A appraised for insurance? |
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Posts: 13303
Location: Latitude 39.56819, Longitude -105.080066 | You would do better to go with a dedicated insurer like Heritage.
You give them a list and what you think they are worth.
They give you a premium to pay and then you are covered for the listed amount.
I have had my policy with them for about 5 years. I also believe Beal, Cliff, and others here use them. |
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Location: Frozen Tundra of Minnesota | FlySig - 2016-09-30 3:25 PM
State Farm offers a decent looking instrument policy. For $60 I can insure all my instruments against all types of losses. But now they're asking for appraisals for those I listed at over $1k, which is all of them at this point!
Has anyone had their O or A appraised for insurance?
I would be interested to know also. I was looking into an Insurance Rider too.
FlySig, here is the Heritage site: http://www.musicins.com/coverage_play_collect_own.html#appraisals
Edited by Nancy 2016-09-30 4:15 PM
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Location: Ottawa, Ontario, CANADA | Hi, Nancy,
I use Allstate Insurance here in CANADA, and they cover every bit of my music gear for very good rate, which I can actually afford. I may have to up date the policy now I have the 1993 Collectors, though?
Mike S.
Ottawa, ON. CANADA
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Location: Ontario Canada | Smith and Wesson insure my guitars.... |
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Location: NJ | I;ve done appraisals
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Location: 6 String Ranch | Al would be a good source if you choose to go that way. I've used the Heritage for close to 20 years. Never had a problem. Last I knew it was $.55/$1000 value. |
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Location: Frozen Tundra of Minnesota | Thunderbolt - 2016-09-30 5:07 PM
Smith and Wesson insure my guitars....
LOL!!!! I Love it!!!! 
I will check into Heritage, I can protect them from intruders, but not from Tornadoes or Fire (knock on wood). |
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Location: 6 String Ranch | As I recall the only thing Heritage doesn't cover is leaving them in an unlocked car. |
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Location: Utah | stephent28 - 2016-09-30 2:51 PM
You would do better to go with a dedicated insurer like Heritage.
You give them a list and what you think they are worth.
They give you a premium to pay and then you are covered for the listed amount.
I have had my policy with them for about 5 years. I also believe Beal, Cliff, and others here use them.
My agent had it all set up for $60 to cover up to $15k of equipment against all types of losses including partial loss due to damage. I guess the underwriter doesn't believe an O or A can be worth over $1k because they came back asking for appraisals. Aside from that snafu the insurance looks to be the same as Heritage. |
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Location: CT | Another satisfied Heritage customer and one reason I chose them is that they will cover the instruments when playing out. My homeowners policy excluded coverage for that so you might want to check with your agent to be sure. |
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Location: Keepin' It Weird in Portland, OR | FlySig - 2016-10-01 6:52 AM
I guess the underwriter doesn't believe an O or A can be worth over $1k because they came back asking for appraisals.
I don't suppose that showing them a Price List or an eBay or Reverb listing would help? 
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Location: Latitude 39.56819, Longitude -105.080066 | Big difference between Heritage and State Farm (who I have also). Heritage will cover it if you sale it while in transit, if you loan it to a friend for 6 months and he returns it with a cracked top, if FB has pics of you playing open mic with a tip jar in the pic, etc. but the biggest difference is like I mentioned before about how they value. With State Farm is it replacement value or depreciated? State Farm will also try to find a replacement if possible or give you cash based on what they found as a suitable replacement. Heritage lets you tell them the value. I have #57 insured for $15k with no questions asked.
Edited by stephent28 2016-10-01 3:22 PM
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Location: Always beautiful canyon country of Utah | #57?? Please enlighten this poor nerd |
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Location: Keepin' It Weird in Portland, OR | nerdydave - 2016-10-01 6:56 PM
#57?? Please enlighten this poor nerd
I believe that THIS is #57...
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Location: Latitude 39.56819, Longitude -105.080066 | OMA nailed it, That would be the one. One of the few wide neck original slot heads.
Purchased originally by Linda McCartney for Wings.
I have owned it for probably close to 10 years now.
I should really have Jérôme change his page info. |
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Location: Frozen Tundra of Minnesota | stephent28 - 2016-10-02 2:35 PM
OMA nailed it, That would be the one. One of the few wide neck original slot heads.
Purchased originally by Linda McCartney for Wings.
I have owned it for probably close to 10 years now.
I should really have Jérôme change his page info.
INCREDIBLE!!!!! |
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Location: Always beautiful canyon country of Utah | That is a true piece of history as well as a beautiful guitar. I can only imagine having a guitar played by Paul McCartney!! Not for plebeians such as I!! |
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Location: When?? | If Linda bought it I would guess it was for her or other band members since Paul is a lefty.
(Right?? No.. left. Oh, right.) |
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Location: California | Interesting. |
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Location: Always beautiful canyon country of Utah | You all know far more than I!! Especially Love O Fair |
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Insurance wants appraisals, anybody done that before?