Insurance for guitars

[foxo]

Fair enough if you tried and were left with no alternatives. I think some insurance schemes are aimed at those who don’t do their research, like mobile phone insurance - almost always covered by home insurance for loss, accidental damage or theft. Others are designed in a way so as not to pay out if you don’t read the small print - the absolute cheapest travel insurance and their medical condition get out clauses. It’s a rather unscrupulous field sometimes so I can see the piece of mind value in specific instrument insurance.

For anyone UK based I do recommend Privilege Home Insurance in terms of their instrument cover policy, although like someone mentioned before I think if you are a full-time paid musician according to what the guy told me they won’t pay out.

[mattcran]

Originally Posted by jaymarsch

I have Heritage through Traveler's and they have been great. I have only had to file one claim but it was handled professionally and quickly to my satisfaction.

Here is a link to their site.

https://musicins.com

Best,
Jayne

You made me second guess, but would it actually be considered Travelers through Heritage? I think travelers is the underwriter, right? And heritage is the agent?

[min7b5]

I've used Anderson's for many years. But I've never made a claim.

[jaymarsch]

Originally Posted by mattcran

You made me second guess, but would it actually be considered Travelers through Heritage? I think travelers is the underwriter, right? And heritage is the agent?

Yes, as I understand it, Heritage works with several underwriters. I guess I think of it the other way because Heritage is always who I deal with directly, but you are probably technically correct.

Best,
Jayne

[blindboyjimi]

Yet another vote for Heritage. Homeowners insurance is fine for inexpensive guitars for loss due to fire, water, theft, but try telling Sate Farm that your mint 1944 Martin D-28 dropped from your hands and now has 2 top cracks, and Several 12” cracks 6” on either side of the end pin. Now your $50,000 guitar is worth $22,000 and a repair bill for $1,500... Who’d cover the $28,000 loss in value going from mint to good and a repair bill for 8x the cost of the average guitar? Heritage would.

[Blueser100]

Originally Posted by jaymarsch

I have Heritage through Traveler's and they have been great. I have only had to file one claim but it was handled professionally and quickly to my satisfaction.

Here is a link to their site.

https://musicins.com

Best,
Jayne

I am looking into this for my guitars as well. However, this website link doesn't work at present. I get warning/error that says "this site cannot provide a secure connection."

[palsed]

I have a valuable personal property policy for my guitars through USAA.

[min7b5]

I've been very happy with Anderson, I also had Heritage for a years. I haven't filed a claim with either, so my opinions are just based on price and stated coverage.