[HAM] B3 Value

[Carl Mal]

I was under the impression that your auto insurance covers your organ if damage occurs enroute.  That includes the contents of your trailer.

As far as having stuff stolen that's off your property, I checked into this and the wording on my policy stated it was covered if it were

"normally stored at your residence"  I believe the onus would be on you to prove that the organ was normally stored at home and was temporarily off the property.

Carl


> Date: Wed, 21 May 2008 16:09:41 -0500
> From: leonardluck at gmail.com
> To: jgs at shanks.cc; hammond at zeni.net
> Subject: Re: [HAM] B3 Value
>
> My insurance company will insure my (cargo/band) trailer, but, will not
> insure my equipment that's inside my trailer. I guess I'll have to find a
> company that specializes in this kind of insurance. What do you guys do?
> What company do you suggest?
> Also, I was told once upon a time, that if my B3 was in my house, like a
> piece of furniture, it "would be" covered by my home owners insurance. But,
> if it was out of the house, on a gig, or en-route to or from a gig, it
> "would not" be covered. And, I was also told that my equipment in the
> trailer would be covered, if the trailer was stolen or broken into while
> sitting at my house.
> Aparently, there's a lot of "if, and's and but's" in the wording of
> insurance policies concerning this kind of stuff.
> Par for the course I guess.
>
> Ricky
>
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