Just been broken into and has made me realise what’s important materially. It was my garage and an alarm saved my bikes. They got my back door keys through the catflap(!) but garage alarm saved the day.
Now I think about the value of my guitars inside. Not insured individually but on house insurance and realistically my Collings OM2H and Turner resonator would not be replaced. The others I could cope with albeit sorely.
So, I know I can pay extra but who does cover their instruments?? Any ideas. Do thieves know the value of a guitar vs a big tv or jewellery etc.
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I have one guitar I bought new and 3 that I bought second hand. Stupid question, but do you put the new value of all of them? Or the price you paid for all of them?
https://speakerimpedance.co.uk/?act=two_parallel&page=calculator
I pay for my guitars to be individually listed on the house insurance for both inside and outside the house. Not that they often leave the house, but it'd be a shame for something to happen on the rare time I did.
Covers them in the house, in transit, at gigs, in the car etc and it's new for old too so you don't need to worry about wear and year or valuations.
I've got about £100k of gear insured for about £1000 a year.
Very easy to deal with and put up with me adding and swapping over guitars all the time.
Definitely gives peace of mind.