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August 2006
Posts: 3145
Location: Marlton, NJ | Originally posted by Mark in Boise:
Trader Jim could just keep the camera running in his guitar room. Or just put it on a motion sensor. |
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April 2006
Posts: 972
Location: PDX | Here is a nifty free download that helps organizing your home inventory.
You can keep the file backed-up on any portable storage device or even use their on-line server for a nominal fee.
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gh1 |
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March 2005
Posts: 12759
Location: Boise, Idaho | Originally posted by CrimsonLake:
Originally posted by Mark in Boise:
Trader Jim could just keep the camera running in his guitar room. Or just put it on a motion sensor. |
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December 2005
Posts: 1234
Location: Tidal Mudflats of Virginia | Beal,
Are these the folks you were talking about?
http://www.heritage-ins-services.com
I see they have a musician specialty...
http://www.musicins.com/ |
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January 2002
Posts: 14127
Location: 6 String Ranch | Yes, them. I talked to Joan Gallo. |
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August 2006
Posts: 3145
Location: Marlton, NJ | Here is a list of what's NOT covered:
Governmental Action
Nuclear Activity
Wear and tear
Marring and scratching
Mold, wet or dry rot, rust corrosion
Nesting or discharge by insect, birds, rodents or animals
Latent defect of repair or manufacture
War or warlike action
Invasion or insurrection
Seizure of power
Contraband
Illegal transportation or trade
That would eliminate most of Jeff's claims, wouldn't it? |
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March 2005
Posts: 12759
Location: Boise, Idaho | They used to have an "inherent vice" exclusion for people like him. By the way, those are exclusions, which doesn't mean that if it isn't listed it's covered. |
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December 2004
Posts: 4394
Location: East Tennessee | Originally posted by gh1:
Here is a nifty free download that helps organizing your home inventory.
You can keep the file backed-up on any portable storage device or even use their on-line server for a nominal fee.
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gh1 |
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Joined:
February 2004
Posts: 2487
| Wonder if I can get a "cashew clause" added to cover the risks involved with OFC meets? |
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January 2002
Posts: 14127
Location: 6 String Ranch | You'd have to explain it to them first. Good Luck with That!! |
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February 2004
Posts: 2487
| I think if I show them a few photo's of......................
Cliff, The Llama's, The Bag of Cashews, The Scooter gangs that roam freely at these gatherings and a dozen or so drunken bodies all wearing Al Pep tee's laying on the beach at 5 in the morning that oughta do it. |
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March 2005
Posts: 12759
Location: Boise, Idaho | They'll probably cancel you if you showed them that. |
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February 2004
Posts: 2487
| Right, on second thought I'll hold back the photo of Cliff. |
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November 2005
Posts: 1126
Location: Omaha, NE | I've got several binder customers who are in the home inventory assessment business. They will not only catalog your entire home's worth of stuff, they will assign values to everything too.
Generally speaking, they are hired by insurance agents (at the agent's expense) to work with very high net worth clients. The agent's interest is in (a) doing something nice for the client and (b) smoking out opportunities to sell more insurance.
I guess the message is, if you find yourself doing this on your own, your insurance agent doesn't think you are rich. |
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January 2006
Posts: 1482
Location: Michigan | gh1 great website thanks, use your Digital camera and take pictures of EVERYTHING in your house no matter how big or small and save them to a disc and put in a fireproof safe and keep a copy at a freinds house.A few years ago this happened to a freind and after cashing out with the insurance Co. they started remembering all sorts of smaller things that they had and forgot about and that started adding up to some real $$$.How about your music books,guitar straps,pedals,cords,artwork,pictures ect.ect.ectWhen something tragic like a fire happens you will not be thinking at your best and insurance companies know it and like to take care of a claim ASAP. GWB |
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Joined:
June 2006
Posts: 7307
Location: South of most, North of few | Originally posted by CrimsonLake:
Originally posted by Mark in Boise:
Trader Jim could just keep the camera running in his guitar room. Or just put it on a motion sensor.
Actually I stay ahead of theft and fire by rotating stock frequently. I would drive an insurance agent crazy if I had to keep him updated on inventory. |
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August 2008
Posts: 12
Location: Greencastle, IN | A friend of mine who owns a small guitar store keep bugging a guy in his band to take a pic of his very high dollar guitar for insurance purposes. He finally took the pic but it was of a guitar with a broken neck. When he laid it up against the wall for the pic it hit the floor and cracked the neck at the nut. WHAT DO YOU SAY? Sorry! |
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December 2003
Posts: 13994
Location: Upper Left USA | TJ,
Have you thought about using a Bar Code system?
M(sit back and wait watch now)Woody |
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August 2006
Posts: 3145
Location: Marlton, NJ | Originally posted by MWoody:
TJ,
Have you thought about using a Bar Code system?
M(sit back and wait watch now)Woody RFID - as the guitars move in and out the insurance company gets real time updates. |
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Insuring your highly valuable guitars
