Established 1960, Still Not Dead
- Dec 10, 2019
- Gulf Coast of Texas
Great point. I had to move all my gigging equipment to MusicPro several years back due to this. State Farm covers equipment in the home under a separate per item list on a rider, but anything lost in trailers or at gig locations is not covered.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?
In line with the thread, I suppose I’d grab anything not on either insurance list.