Another good reason to have Renters insurance! - The Chainlink2024-03-28T13:25:32Zhttps://thechainlink.org/forum/topics/another-good-reason-to-have-renters-insurance?commentId=2211490%3AComment%3A641797&feed=yes&xn_auth=noGlad everything worked out, J…tag:thechainlink.org,2013-01-29:2211490:Comment:6418922013-01-29T13:26:27.599ZdaWillinChihttps://thechainlink.org/profile/JustWill
Glad everything worked out, Joe!<br/>
Yeah, having a renter's insurance is a peace of mind.
Glad everything worked out, Joe!<br/>
Yeah, having a renter's insurance is a peace of mind. Interesting. How do they dete…tag:thechainlink.org,2013-01-29:2211490:Comment:6416412013-01-29T03:39:24.058Zh' Zerocatshttps://thechainlink.org/profile/H3N3
<p>Interesting. How do they determine whether you play for pay?</p>
<p>I have made it a practice not to do so but a few years ago I played a graduation and they hounded me to accept the damn check until I finally broke down...<br></br> <br></br> <cite>Larry Mysz said:</cite></p>
<blockquote cite="http://www.thechainlink.org/forum/topics/another-good-reason-to-have-renters-insurance?page=1&commentId=2211490%3AComment%3A641882&x=1#2211490Comment641882"><div><div class="xg_user_generated"><p>+1 on…</p>
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<p>Interesting. How do they determine whether you play for pay?</p>
<p>I have made it a practice not to do so but a few years ago I played a graduation and they hounded me to accept the damn check until I finally broke down...<br/> <br/> <cite>Larry Mysz said:</cite></p>
<blockquote cite="http://www.thechainlink.org/forum/topics/another-good-reason-to-have-renters-insurance?page=1&commentId=2211490%3AComment%3A641882&x=1#2211490Comment641882"><div><div class="xg_user_generated"><p>+1 on evey policy being different.</p>
<p>With my Allstate homeowners policy, bikes and musical instruments are covered under the normal personal property provision. They're covered for full replacement value even if stolen or damaged while on a trip, as with someone breaking into the car. </p>
<p> </p>
<p>The only exclusuion on the instruments is that they're not covered if I ever play for pay. If I do play for pay, they would not be covered, even if the loss happened at a time when I wasn't on a job.</p>
<p>To cover the instruments and gear when I was gigging, I had to itemize everything on an additional personal property rider. Cost was based on the instrument appraisal.</p>
<p><br/><cite>Anika said:</cite></p>
<blockquote cite="http://www.thechainlink.org/forum/topics/another-good-reason-to-have-renters-insurance#2211490Comment641569"><div><div class="xg_user_generated">Musical instruments are tricky since every policy is different. I do a lot of appraisals for pianos for insurance companies. The coverage is not only for theft (which doesn't really happen that often for such heavy instruments) but also water, smoke/fire and motor vehicle damage.<br/><br/>According to my homeowners policy, my piano is not covered without a separate rider but all of our bikes are.</div>
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</blockquote> +1 on evey policy being diffe…tag:thechainlink.org,2013-01-29:2211490:Comment:6418822013-01-29T03:35:39.764ZLarry Myszhttps://thechainlink.org/profile/LarryMysz
<p>+1 on evey policy being different.</p>
<p>With my Allstate homeowners policy, bikes and musical instruments are covered under the normal personal property provision. They're covered for full replacement value even if stolen or damaged while on a trip, as with someone breaking into the car. </p>
<p> </p>
<p>The only exclusuion on the instruments is that they're not covered if I ever play for pay. If I do play for pay, they would not be covered, even if the loss happened at a time when I…</p>
<p>+1 on evey policy being different.</p>
<p>With my Allstate homeowners policy, bikes and musical instruments are covered under the normal personal property provision. They're covered for full replacement value even if stolen or damaged while on a trip, as with someone breaking into the car. </p>
<p> </p>
<p>The only exclusuion on the instruments is that they're not covered if I ever play for pay. If I do play for pay, they would not be covered, even if the loss happened at a time when I wasn't on a job.</p>
<p>To cover the instruments and gear when I was gigging, I had to itemize everything on an additional personal property rider. Cost was based on the instrument appraisal.</p>
<p><br/><cite>Anika said:</cite></p>
<blockquote cite="http://www.thechainlink.org/forum/topics/another-good-reason-to-have-renters-insurance#2211490Comment641569"><div><div class="xg_user_generated">Musical instruments are tricky since every policy is different. I do a lot of appraisals for pianos for insurance companies. The coverage is not only for theft (which doesn't really happen that often for such heavy instruments) but also water, smoke/fire and motor vehicle damage.<br/><br/>According to my homeowners policy, my piano is not covered without a separate rider but all of our bikes are.</div>
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</blockquote> Thanks, Anika.tag:thechainlink.org,2013-01-29:2211490:Comment:6418112013-01-29T01:50:57.460Zh' Zerocatshttps://thechainlink.org/profile/H3N3
<p>Thanks, Anika.</p>
<p>Thanks, Anika.</p> Musical instruments are trick…tag:thechainlink.org,2013-01-29:2211490:Comment:6415692013-01-29T01:47:39.622ZAnikahttps://thechainlink.org/profile/AnikaByrley
Musical instruments are tricky since every policy is different. I do a lot of appraisals for pianos for insurance companies. The coverage is not only for theft (which doesn't really happen that often for such heavy instruments) but also water, smoke/fire and motor vehicle damage.<br />
<br />
According to my homeowners policy, my piano is not covered without a separate rider but all of our bikes are.
Musical instruments are tricky since every policy is different. I do a lot of appraisals for pianos for insurance companies. The coverage is not only for theft (which doesn't really happen that often for such heavy instruments) but also water, smoke/fire and motor vehicle damage.<br />
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According to my homeowners policy, my piano is not covered without a separate rider but all of our bikes are. I pay a tiny bit more each ye…tag:thechainlink.org,2013-01-29:2211490:Comment:6417972013-01-29T00:09:10.851ZKevin Mulckyhttps://thechainlink.org/profile/KevinMulcky
I pay a tiny bit more each year for full replacement value instead of depreciated value. That made a HUGE difference when my mid-90s Gunnar and laptop were stolen.
I pay a tiny bit more each year for full replacement value instead of depreciated value. That made a HUGE difference when my mid-90s Gunnar and laptop were stolen. Hmmm... the instrument was st…tag:thechainlink.org,2013-01-28:2211490:Comment:6415602013-01-28T23:54:24.929Zh' Zerocatshttps://thechainlink.org/profile/H3N3
<p>Hmmm... the instrument was stolen from home, and it was his hobby.<br></br><br></br><cite>Fran Kondorf said:</cite></p>
<blockquote cite="http://www.thechainlink.org/forum/topics/another-good-reason-to-have-renters-insurance?page=1&commentId=2211490%3AComment%3A641557&x=1#2211490Comment641557"><div><div class="xg_user_generated"><p>h-</p>
<p> The last time I dealt with this subject I found out that musical instruments were covered by homeowner's or renter's insurance only when theft occurs…</p>
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<p>Hmmm... the instrument was stolen from home, and it was his hobby.<br/><br/><cite>Fran Kondorf said:</cite></p>
<blockquote cite="http://www.thechainlink.org/forum/topics/another-good-reason-to-have-renters-insurance?page=1&commentId=2211490%3AComment%3A641557&x=1#2211490Comment641557"><div><div class="xg_user_generated"><p>h-</p>
<p> The last time I dealt with this subject I found out that musical instruments were covered by homeowner's or renter's insurance only when theft occurs at home (duh) and it's a hobby, not your jobby.</p>
<p> A company called Clarion (<a href="http://www.clarionins.com" rel="nofollow" target="_blank">www.clarionins.com</a>) covers musical equipment for pros. You can get coverage from them through the union but I was covered by my last touring band's policy.</p>
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<p>Apologies to Joe for the derail.</p>
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The last time I dealt wit…tag:thechainlink.org,2013-01-28:2211490:Comment:6415572013-01-28T23:43:57.146ZFran Kondorfhttps://thechainlink.org/profile/FranKondorf
<p>h-</p>
<p> The last time I dealt with this subject I found out that musical instruments were covered by homeowner's or renter's insurance only when theft occurs at home (duh) and it's a hobby, not your jobby.</p>
<p> A company called Clarion (<a href="http://www.clarionins.com" target="_blank">www.clarionins.com</a>) covers musical equipment for pros. You can get coverage from them through the union but I was covered by my last touring band's policy.</p>
<p></p>
<p>Apologies to Joe for the…</p>
<p>h-</p>
<p> The last time I dealt with this subject I found out that musical instruments were covered by homeowner's or renter's insurance only when theft occurs at home (duh) and it's a hobby, not your jobby.</p>
<p> A company called Clarion (<a href="http://www.clarionins.com" target="_blank">www.clarionins.com</a>) covers musical equipment for pros. You can get coverage from them through the union but I was covered by my last touring band's policy.</p>
<p></p>
<p>Apologies to Joe for the derail.</p> Renter's insurance is a great…tag:thechainlink.org,2013-01-28:2211490:Comment:6417942013-01-28T23:11:31.080Zh' Zerocatshttps://thechainlink.org/profile/H3N3
<p>Renter's insurance is a great deal... makes me jealous of renters a bit. You would never claim something like one bike on Homeowner's insurance.</p>
<p>Interested to know, if anyone's up on this stuff-- at what point would insurance consider an item too valuable to fall under the general policy? A friend had a valuable musical instrument stolen from his home and his insurance is telling him (as best I can understand what he told me) that it's not covered because it needed a seperate rider. …</p>
<p>Renter's insurance is a great deal... makes me jealous of renters a bit. You would never claim something like one bike on Homeowner's insurance.</p>
<p>Interested to know, if anyone's up on this stuff-- at what point would insurance consider an item too valuable to fall under the general policy? A friend had a valuable musical instrument stolen from his home and his insurance is telling him (as best I can understand what he told me) that it's not covered because it needed a seperate rider. The value as per a recent appraisal was $4,500.</p> Congratulations, Joe. Good fo…tag:thechainlink.org,2013-01-28:2211490:Comment:6416972013-01-28T21:40:06.175ZGene Tennerhttps://thechainlink.org/profile/GeneTenner
<p>Congratulations, Joe. Good for you. I have a specific policy on my trike and that gives me peace of mind.</p>
<p>Congratulations, Joe. Good for you. I have a specific policy on my trike and that gives me peace of mind.</p>