Insurance for Auto, Home, Instruments and Home Studio.?
I’m looking for a highly reputable insurance company for the aforementioned. I also need someone to assess my instruments and studio gear for the insurance company. We live in West Houston. Who would you recommend? Full story below but not required.
I’ve been on a quest to find new insurance. It’s a long sorted story but the short version goes we’ve been with allstate since 2005 and they’ve been excellent. Then my wife called and had our home owners insurance changed to autopay. Called twice and they said they did it but didn’t. As a result our bank called us and said we had a 31 day lapse. So we called Allstate and they redid our home insurance with their partner company Wellington Risk. Wellington Risk hasn’t been as helpful as allstate and I found that for all my 25+ instruments, amps, studio gear they’ll only give me $ 3000. WOW. Just wow. It says 187k in household goodies on the form.
At any rate, we can’t change back to Allstate because they “can’t take business away from their partner company” so we sought to consolidate our insurance and get my instruments/gear covered. I found that I’ll have to have them assessed. Can’t find an assessor and it looks extremely expensive. Anyway, how do you tell them, “I put this guitar together and it has $ 200 Texas Specials, Russian caps, a MIM neck, Warmoth body, CTS pots and Oak-Bigsby switch. Will they even care or is it just based on the fair market value of whatever the assessor thinks the guitar is worth? How much should I expect to pay for instrument insurance?
I’ve found good (and bad) things about Amica for the auto/home. Their auto rates are $ 180 a year better than allstate, but their home is a bit more than wellington. That’s okay because they appear to cover foundation and water breakage, which Wellinton isn’t covering. Also they have a 1% deductable where we’re dealing with a 3% from wellington.
I know quite a few of you know infinitely more about insurance than I do… what do you do for your Auto/Home and Studio Gear/Instruments. I have a lot of studio gear… RME UFX, Kemper, MIC’s, monitors, rackable effects, compressors, pedals, amps, cords galore. Can that stuff even be covered?
Thanks for any help!