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Is your guitar insured

Discussion in 'Sidewinders Bar & Grille' started by D_Kita, Nov 11, 2017.

  1. D_Kita

    D_Kita Strat-Talk Member

    Oct 21, 2017
    Just want to see what kind of insurance (if any) people here have on their guitars. Tell us what guitar(s) you have, and whether or not it has insurance on it!

    I’ll start. 1991 American Vintage 62 Strat, no insurance.

  2. Paperback Rocker

    Paperback Rocker Nitro-mancer Strat-Talk Supporter

    Sep 18, 2014
    Lewisville, TX
    I have renter's insurance. I talked to them when I got it, and it covers my gear. I buy used, so their used replacement value is fine with me.
    apm1991, Mr. Lumbergh and Biddlin like this.

  3. jeff h

    jeff h Senior Stratmaster

    Jan 13, 2017
    Homeowners insurance covers the homes contents. Guitars and even most of my guns are covered, there is a max$$ on firearms though.
    Yves, Biddlin and amagras like this.

  4. mechanic

    mechanic Strat-Talker

    I have 2 acoustics and several electric .
    They are all covered by my home insurance, and my 130 lb German shepherd.
    RnR Nolan, LPBlue, Textele and 5 others like this.

  5. shovelmike

    shovelmike Senior Stratmaster

    Sep 26, 2013
    Covered by homeowners and Winchester shotgun.
    RnR Nolan, LPBlue, Kstu and 8 others like this.

  6. ryunker

    ryunker Senior Stratmaster

    Feb 18, 2014
    Crystal Lake, Il
    Address and photos along with alarm codes...

  7. mechanic

    mechanic Strat-Talker


  8. fezz parka

    fezz parka Ω Strat-Talk Supporter

    Apr 21, 2011
    I have 30+ guitars. A 1965 Strat and 1971 Les Paul Custom are among them. I'm insured by Remington & Glock.
    garyhoos1, brians, nadzab and 5 others like this.

  9. davidKOS

    davidKOS Musician, Composer, Teacher Strat-Talk Supporter

    May 28, 2012
    When I was gigging, I had to get insurance through the AFM, as homeowners' policies do NOT include using guitars for playing live.

    Now that I am (at least temporarily) retired from gigging, I'm covered again!
    Biddlin, TheDuck and fezz parka like this.

  10. TheDuck

    TheDuck Most Honored Senior Member

    Jan 12, 2016
    Lil' Rhody
    All my gear is covered by a blanket policy, with full agreed replacement value for each item.

    Coverage is valid for non-commercial use and transport only. But seeing as I don't gig anymore, its perfect for me.
    davidKOS likes this.

  11. Ebidis

    Ebidis Providing the world with flat bends since 1985 Strat-Talk Supporter

    Nov 14, 2013
    Does that policy cover fire and natural disaster?

  12. Thrup'ny Bit

    Thrup'ny Bit Grand Master Curmudgeon Strat-Talk Supporter

    May 21, 2010
    Sheffield, UK
    I'm baffled how all the firearms will protect gear from a house fire...
    s5tuart, crashbelt, LPBlue and 6 others like this.

  13. vlxerdon

    vlxerdon Strat-O-Master

    Jan 31, 2013
    Coastal Georgia
    Homeowners, 00 buck,357 magnum, 2 1/2 attack dogs,a crazed cat and a home alarm system. This covers 15 guitars,5 amps and assorted other goodies in my home.
    D_Kita likes this.

  14. TheDuck

    TheDuck Most Honored Senior Member

    Jan 12, 2016
    Lil' Rhody
    I wanted to ask the same question. :D

  15. vlxerdon

    vlxerdon Strat-O-Master

    Jan 31, 2013
    Coastal Georgia
    Easy, the fire gets so scared it just dies. :whistling:
    LPBlue, Textele, BobbyS and 3 others like this.

  16. sjtalon

    sjtalon Senior Stratmaster

    Ha ha, yup, castle/guitar doctrine.

    and just in case I lose the battle, homeowners contents will cover them.

    Also we have received about 5-6" of the white stuff the last few days and Thursday a low of -11 (yup that's a minus sign eh). So the population is down around here, so statistically crime wise that helps the ratio.
    fezz parka likes this.

  17. Tone Guru

    Tone Guru Senior Stratmaster

    Dec 13, 2011
    Music City TN
    A "Tools of the Trade" policy can cover guitars and amps as well as recording and sound equipment, cameras, etc.
    davidKOS likes this.

  18. fezz parka

    fezz parka Ω Strat-Talk Supporter

    Apr 21, 2011
    They don't. My well and pump do that.

    I live off the grid. Miles on county and dirt roads from the nearest fire dept and PD/Sheriff. And I'm here at my ranch pretty much 24/7. So, I'm the Sheriff and fire captain.

  19. felis

    felis Senior Stratmaster

    Nov 27, 2013
    The missus has ourselves, the house (and almost everything in it), cars, bikes fully insured.

    The thing is, probably no amount of insurance payment will give me the possibility to buy back my 'rare' TE80 and LS95S.

    Edit; I'm not talking value, but availability.
    Last edited: Nov 11, 2017
    RobZ69 and D_Kita like this.

  20. nederemer

    nederemer Strat-O-Master

    Oct 25, 2017
    Somerset, Kentucky, USA.
    Can't beat a shotgun. Mines a 77 Remington wingmaster loaded with 00 buck. The pitbull will get to ya first though!