[NewMusic] NewMusic Digest, Vol 7, Issue 25

[Michael Cooke]

>On 11/28/06, Michael Cooke wrote:
>
> >Music Union has a instrument insurance program and you might check with 
>you
> >car insurance company if it does more then car insurance. They tend to 
>give
> >breaks for for multiple policies. I use State Farm and have a special
> >instrument policy with them. I have not had to use it, knock on wood.
>
>Keep in mind that in general, homeowner's and renter's insurance
>policies can cover musical instruments, unless they are used
>"professionally" (i.e., a portion of one's income is earned from
>music made with said instruments).
>
>I suppose one could claim that as a "new music" practitioner, no
>noticeable income is involved. . .
>
>MZ

I'm not talking about a extra rider on renter's insurance, though that might 
work for some people. But I think the problem with that is it is only valid 
if the instruments get stolen out of you house and not if you are at a gig 
somewhere. State Farm has a professional instrument insurance policy which 
for me and all my instruments (8 woodwinds) comes to about $200 bucks a 
year. You would just need to ask your insurance company if they have 
anything like that. You then have to get all your instruments appraised. 
Which reminds me I need to to that again, ugh.

Michael Cooke
http://www.blackhatrecord.com

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