RE: [Harp-L] I was robbed/instrument insurance

["Anthony Smith" <anthony@xxxxxxxxxxxxxxxx>]

Mike, problems with insurance under your HO3 policy would be flood exclusion
and possibly coverage territory.  Most likely the one thru musicpro is on an
inland marine floater which is a broader form.  Many times the homeowner
carrier has per item value limitations and you would need to schedule each
item over X amount of dollars to have coverage.  An example would be having
a $5000 guitar and only collecting $1000 due to per item limitation.  Could
work well for you but check these things.

Anthony 



-----Original Message-----
From: Mike Rogers [mailto:bullfrog9@xxxxxxx] 
Sent: Monday, July 06, 2009 11:56 AM
To: Anthony Smith
Cc: 'Joshua King'; harp-l@xxxxxxxxxx
Subject: Re: [Harp-L] I was robbed/instrument insurance

My wife and I formed an LLC and we got instrument insurance, on the
business, through our home owner's insurance company.  It's $500 deductible,
but all my harps are customs.  also put all our P.A. and my guitars on it.
Costs me about $200 a year.

Bullfrog

Anthony Smith wrote:
> Hey Josh!  I went to the site.  See if you can find out who the 
> carrier (Insurance Company) is and I will do some research on them.  I 
> didn't get a chance to read all the info but a policy or coverage 
> specifically designed for musicians would be a great way to go!  I am 
> an insurance guy by day so if you find the carrier shoot it to me and 
> I'll give you any info I can about same.
>
> Regards,
>
> Anthony D. Smith, CRIS
>
> -----Original Message-----
> From: harp-l-bounces@xxxxxxxxxx [mailto:harp-l-bounces@xxxxxxxxxx] On 
> Behalf Of Joshua King
> Sent: Monday, July 06, 2009 10:32 AM
> To: harp-l@xxxxxxxxxx
> Subject: [Harp-L] I was robbed/instrument insurance
>
> 	I'm really sorry to hear about that.  We are looking into getting 
> instrument insurance just for this very reason.  I worry more about 
> them being stolen or him losing them.  We had a couple of close calls 
> including a problem at an airport when going through security with them.
> 	
> 	Josh got some insurance information the other day from MusicPro 
> through one of his acting unions.  I thought maybe some of you would 
> be interested in it.  Since we have quite a few instruments around 
> here and travel with them, I'm seriously considering this.
>
> 		The rates and deductible are a heck of a lot lower and give
us more 
> coverage than our other policies they might be covered under.  Plus 
> there are provisions for emergency replacements and equipment rental 
> if something happens while traveling.  It's something we are 
> considering.  Does anyone have experience with this company?
>
> http://www.musicproinsurance.com/
>
>
> Joy King
> (Josh's mom)
>
>
>
> Joshua King
>
>
> www.joshuaking.net
> www.youtube.com/joshuaking1
> www.myspace.com/joshuatking
> www.facebook.com/joshuatking
>
> -----Original Message-----
> From: harp-l-bounces@xxxxxxxxxx [mailto:harp-l-bounces@xxxxxxxxxx] On 
> Behalf Of Rubben Emmanuelli
> Sent: Monday, July 06, 2009 5:20 AM
> To: harp-l@xxxxxxxxxx
> Subject: [Harp-L] I was robbed.
>
> Last Friday night i was eating something fast at a local Wendy's to go 
> to pack some clothing for a St,Thomas 4 of July show and my harmonica 
> bag full of 25 harmonicas, Hohner briefcase,one Hohner X40 on D..SM58 
> and Custom made unknow harmonica mic like a shaker,sd900 camera..well even
my home keys!
>
> A friend told me, that he left using the hohner briefcase, cause it 
> looks like a laptop!..Damn..I missed my harps,  Lucky me i have a few 
> spares (some out of tune) but help me do the trick at the gig..
>
> Those MF dont know what they got...if someone catch a sale of some 
> used harmonicas from Puerto Rico on ebay..let me know.
>
> Thanks.
>
> <http://www.facebook.com/photo.php?pid=833938&id=503484853>
>
>
>
> --
> Comuna de Santos
>
> www.myspace.com/comunadesantos
>
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