Home insurance for guitars

gibbo666

I own a small flat.  Apart from a few personal items (photos, etc) the only real thing of value is my guitar collection, currently about £20,000+ worth.  I've never had home insurance, so before I look at one of the high street offers I thought I'd ask if you guitarists just use normal house and contents insurance, or whether there are more specifically guitar-related insurance offers which are better.

I am too old to gig now, so no worries about taking them out of the house.  However, I do trade quite a bit, so if the policy covered guitars in transit for sale that would be particularly interesting.

Cheers!

Clive.

jimmyguitar

New Moon Insurance are great, never had to claim but excellent customer service and not overly expensive 

timmypix

I have separate home insurance and musical instrument insurance - everywhere I looked, Allianz Musical Instrument insurance seem to be the most popular.

TeleMaster

I use Home Protect. I have something like £35k home contents insurance and all my instruments covered, including my 64 Strat for £28/month. 

guitars4you

I use a home content insurance policy and ensure the guitars value is included within the total of all the house contents

Check with the company about nominating specific items above  a certain value - I think providing each guitar is worth less than 5k then I don't need to nominate any specific details - It will vary subject to each company so check on this

Plus check replacement value is at current values - ie you don't want to pay £5k for an LP and find the insurance company will only pay out 3K

gringopig

.

Caffeine_Vampire

Watching this thread. 

sweepy

We have a new for old policy with our mortgage with single items up to £5k so a guitar or amp etc or indeed many of them would be covered, this covers theft or damage 

uncledick

Direct line seem to have sensible wording on our policy.  

Adey

New for old must be just what you want when your "used" 59 Les Paul gets nicked, and replaced with a lovely new "Traditional"...

mort

Aviva have assured me that my guitars are covered under their standard home contents cover. 

CMW335

Good Idea Clive, what’s your address I will look into for you? 

chris78

If the value of your guitars is lowish, it won’t be an issue. A lot of contents policies have smallish single item limits of £1,500-£2,000. If you have a guitar worth more, it needs to be named on the policy and will cost you extra. The abi recommend £55,000 cover for the average 3 bed home, without any high risk items 

ArchtopDave

I used Hiscox for several years as there was no single item value limit, but dropped them this time around as they tried to jack my premium up nearly 40% (I never made a claim whilst with them). I currently have a Home and Contents Insurance Policy with Direct Line Premier, as again there is no individual value limit in regard to my guitars and other music equipment.

dangriffiths

Hiscox and Allianz I recommend

gibbo666

Thank you all for your comments.  There doesn't seem to be an outright winner, but I'll get a quote from Allianz, and move on from there.

Cheers!

Clive.

merciful-evans

My guitars are individually identified and valued on my contents policy

DrJazzTap

I don't gig at the moment. All of my guitars are registered under the home insurance under dedicated valuable items. Full descriptions, I've got photos of all of them, serial numbers etc. The guitars are worth less than 7k and we have contents up to 40k iirc.
I think they may be covered outside the house, id have to check the policy. Registered through admiral.

Phil_aka_Pip

guitars4you said:

I use a home content insurance policy and ensure the guitars value is included within the total of all the house contents

Check with the company about nominating specific items above  a certain value - I think providing each guitar is worth less than 5k then I don't need to nominate any specific details - It will vary subject to each company so check on this

Plus check replacement value is at current values - ie you don't want to pay £5k for an LP and find the insurance company will only pay out 3K

^ This ^