Author Topic: I love my wife (Read 519 times)

rustyg61 · « **Reply #15 on:** May 01, 2011, 07:19:04 PM »

I just got a policy on my Alembic & they had to classify me a a professional musician even though it is not my primary job. I do play for money & didn't want to take a chance of them denying a claim if I didn't go with a pro policy. It is for full replacement value at factory list price even though I did not pay list, & it is only $82/year. It is a Personal Articles polict through State Farm.

lbpesq · « **Reply #16 on:** May 01, 2011, 08:04:01 PM »

I'm in the process of obtaining a policy from Heritage. The cost is $.50 per $100 value. I'll be insured for just about everything except war, terrorism, and theft from an unlocked car. And they understand instruments.

Bill, tgo

sonicus · « **Reply #17 on:** May 01, 2011, 08:32:26 PM »

Bill, The Theft from an unlocked car clause concerns me; in that, one can gain entry to many electronically controlled car locking mechanisms these days with out any trace of forced entry. A thief could watch you load your vehicle from a distance and wait for the moment you walk away for a few minutes and then strike and open your locked car, IN such a case could the insurance company claim that you left your car unlocked ? It could be your word against theirs . Is there any legal language to protect you from an insurance company in such a case ? I am really interested how this would go through the courts should there be litigation . My wife recently had her purse stolen in such a way out of the trunk.

edwin · « **Reply #18 on:** May 01, 2011, 11:06:25 PM »

I'd be very leery of the personal articles policies. I had one of those before I moved over to Heritage and had a minor claim. They paid it but said they wouldn't cover anything else because I play for cash outside the home. It was State Farm. I have probably the same policy as Bill and it's very reasonable. I pay around $300/year for over $80k worth of insurance. No claims so far!

sonicus · « **Reply #19 on:** May 02, 2011, 07:18:06 AM »

I am still concerned about the Theft from an unlocked car clause. It seems to me that could be a point of dispute between the insured party and the insurance company , as per the conditions that I out lined in my post #1799. Is there a Lawyer reading this that can chime in on this ? Even better have there been any any precedent cases yet ? I think this is an important issue because of prior events that I have heard about and experienced where insurance companies use arguments such as this to avoid having to make a pay out. Lawyers please chime in, we have a few on this fine forum.

Wolf ____

(Message edited by sonicus on May 02, 2011)

rustyg61 · « **Reply #20 on:** May 02, 2011, 08:26:50 AM »

Edwin, that's why I changed my policy to a professional musician policy. Now there can be no dispute that I play for money & it is still covered. There is no unlocked car clause in my policy either.

sonicus · « **Reply #21 on:** May 02, 2011, 08:50:11 AM »

Here is an example of Keyless Remote Entry
http://www.ehow.com/program-keyless-remote/

Not the most challenging procedure perhaps.

I am also going to check out Anderson to see how they compare with Heritage .
http://www.anderson-group.com/

Here is the Heritage link;
http://www.musicins.com/

benson_murrensun · « **Reply #22 on:** May 02, 2011, 09:30:07 AM »

I need to sign up with Heritage, too. Do they require pictures of the instruments? Serial numbers? Can you use stated value or do they have some other way of determining the value of the items?
Thanks in advance.
Ben

edwin · « **Reply #23 on:** May 02, 2011, 09:56:19 AM »

I've been giving Heritage appraisals of my expensive instruments, which at this point are my Series I and my '67 Starfire that has been modified and also includes signatures of Phil Lesh and Jack Casady.

Serial numbers are also good. I think when it comes down to it, you'll probably need some purchase proof, receipts, etc. I've been insuring at replacement cost, so somewhere between street and MSRP. I had Mica send them a document for my Series I directly, so I think that got insured at list price.

Rusty, it's great you could do that! My State Farm rep refused. They said it was too high risk and would be really pricey.

Another option is Clarion, which I've heard good things about.

benson_murrensun · « **Reply #24 on:** May 02, 2011, 10:32:15 AM »

So Edwin, these appraisals that you give Heritage: did you generate them yourself or did you have to get the instruments appraised by someone else? If by someone else, who would that be? Since I'm in your area I could use the same person.
Most of my instruments have been purchased used, so there are no receipts... Craigslist has been good to me.
(Hmmm... looks like another thread successfully hijacked!)

sonicus · « **Reply #25 on:** May 02, 2011, 10:45:42 AM »

Back on track as we digress______My Wife agrees it is prudent to protect The Alembic stuff with insurance ; I love my Wife

This thread is now recalibrated and in alignment to topic.

edwin · « **Reply #26 on:** May 02, 2011, 11:07:54 AM »

For appraisals I use Woodsong's Lutherie. They give the instrument a good going over and then write out a detailed description with their estimation of value. I forget what they charge, they've usually done it while my instrument has been in for other work. I'm heading there right now to get the Alembic pickups fitted for my Starfire!

edwin · « **Reply #27 on:** May 02, 2011, 11:08:23 AM »

For appraisals I use Woodsong's Lutherie. They give the instrument a good going over and then write out a detailed description with their estimation of value. I forget what they charge, they've usually done it while my instrument has been in for other work. I'm heading there right now to get the Starfire fitted for the Alembic pickups!

benson_murrensun · « **Reply #28 on:** May 02, 2011, 12:17:02 PM »

Thanks!
Sorry about the hijack, but I don't have a wife... But I do love my financee, and I keep her instruments and mine in a safe spot in the basement, off the ground in case of flooding. (May I be vindicated now?)

edwin · « **Reply #29 on:** May 02, 2011, 02:47:25 PM »

OK, to put it back on track, I, too, love my wife and she was happy to hear about my new pickups. However, she's in New York at Sniffapalooza, so she'll have to wait until she gets back to experience their butterscotch grooviness.