Your house is on fire and you only have time to grab one guitar...

Discussion in 'Electric Instruments' started by Freetz, Dec 31, 2020.

  1. helmi

    helmi single & satin

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    Wow is that beautiful looking!
     
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  2. helmi

    helmi single & satin

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    Since I only have 2 satin single cuts, and 2 hands, I can grab them both, and my Jack Russel, and be alright!
     
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  3. Sybo

    Sybo Nashvillan

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  4. 11top

    11top Cousin Eddie's cousin

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    Ok. If ignoring monetary considerations, I’d probably grab this limited ‘59 reissue “killer quilt” first:

    [​IMG]

    And
    then with the other hand, I’ll grab this one (including ALL considerations ;) ):

    [​IMG]

    ...but it’s a good thing I’m married ‘cause she has two hands!

    [​IMG]

    [​IMG]

    And

    [​IMG]

    Can I start adding neighbors?
     
    #44 11top, Jan 1, 2021
    Last edited: Jan 1, 2021
  5. Wailing

    Wailing New Member

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    It would have to be my 1970 telecaster that I’ve owned since 1977... It has a 1954 Gibson Staple at the neck position so would be so hard to replace
     
  6. Wakester

    Wakester Re Member

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    My wife is my Broker of Record, all I know is "they got it covered." It was her Idea, not mine.
     
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  7. 11top

    11top Cousin Eddie's cousin

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    Tell her you want “agreed value” so that you don’t have to prove the value AT THE TIME OF LOSS. Agreed value takes all negotiation out of the equation because it’s CONTRACTUAL, not some unwritten word-of-mouth promise by the carrier or their representative. This becomes paramount if the market value exceeds replacement cost.
    And simply having your instruments on a separate schedule doesn’t avoid “settlement negotiations” either unless it’s AGREED AMOUNT.
     
  8. bodia

    bodia Authorities said.....best leave it.....unsolved

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    Kahn, you can send my cookie to Aurora, IL.
     
  9. Tosca

    Tosca Zombie 10, DFZ

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    Yeah...but Westie’s are so HOT they are fireproof....right?
     
  10. bodia

    bodia Authorities said.....best leave it.....unsolved

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    Well, if that's the case, then I don't have to worry about 2 guitars! Hmmmm, I guess I would grab this one since there are only 100 of the Dirty things floating around. Almost said ME-V, but I could grab one of the many WL versions that will be hitting the shelves next summer.


    [​IMG]
     
  11. veinbuster

    veinbuster Zombie Three, DFZ

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    Two class act small runs. I’ll say it again: the best small runs they did on the core line.
     
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  12. bodia

    bodia Authorities said.....best leave it.....unsolved

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    Have to agree with you, Peter.
     
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  13. veinbuster

    veinbuster Zombie Three, DFZ

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    My music room guitar cabinet has room to display 4 guitars, and Westie and Dirty 100 live in it.
     
  14. RickP

    RickP Established 1960, Still Not Dead

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    Been reading these posts for days... it’s like asking which of your children you would grab.

    Looks like time to grab the Stihl and separate the music room from the rest of the burning house.
     
  15. veinbuster

    veinbuster Zombie Three, DFZ

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    Slightly off track, but do you have any thoughts on ‘agreed amount’ (per item), with a total loss cap? I’m working through this with my insurance to reduce the premium since a) odds of losing everything are small and b) if I did lose it all, I wouldn’t buy it all back.

    I have very good coverage for the whole house and contents, but don’t like caps on some types of items.
     
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  16. 11top

    11top Cousin Eddie's cousin

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    In the USA, I’ve never seen a carrier offer agreed amount with a total max cap. I’d be very surprised if you can get that, and if so, at a reasonable cost.
    In the real world, “replacement cost” is OK, as long as your market value doesn’t exceed it, you’re willing to negotiate the settlement valuation with the carrier following your loss, and your homeowners deductible is ok with you. Private stock prices have increased dramatically so a current appraisal on hand and good photos stored off-premises (cloud?) are going to make the process easier.
    My personal rule of thumb is to keep the higher valued and rarer items on a schedule and the balance under my homeowners personal property limit (replacement cost).

    Also, FWIW, some carriers won’t offer “agreed amount” on a musical instrument form. I just went through this helping another forum buddy and discovered USAA won’t (unless you can get them to use a “fine arts” form which is automatically an agreed value form). Silly.
     
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  17. Frank McNerney

    Frank McNerney Shoitza

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    I want this one badly. I haven't seen them all but of all the guitars on the PLANET - this is my 2nd favorite. See #1 below
     
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  18. Frank McNerney

    Frank McNerney Shoitza

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    The Red Santana ! I think that's Cocobolo. Greatest looking guitar on the planet !!
     
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  19. 11top

    11top Cousin Eddie's cousin

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    Peter,
    Under a standardized HO policy, the types of property limited in amount (cap) for theft are specified as money, silverware, gold, jewelry, etc. Musical equipment is not limited that way. However, beware of the “business use” exclusion. The latest ISO HO form defines business (as opposed to hobby) as grossing $2,000 or more in a year. Anybody on this forum ever sell a guitar for $2,000 or more? :eek:
     
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  20. El Fenix

    El Fenix New Member

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    I'll send one too. Used to live off Farnsworth a long time ago.
     
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