harp insurance

I've been investigating the possibilities of insuring my harp and realize that I don't really have specific insurance for my guitar or flute, either. I'm going to check our homeowner's insurance policy to see what's up with that.

But I've also discovered that there is an insurance company which specifically covers musical instruments, accessories and equipment, Clarion Associates. If you're a member of the Chamber Music America (annual dues US$40), you are entitled to a special discount. According to the members of the harp mailing list I'm on, their rates are lower than most companies re: insuring musical instruments.

From the CMA website: "For CMA members, the rate for World Wide, All Risk, no-deductible insurance is only $0.35 per $100 of value, and the coverage is the broadest available anywhere. Coverage is issued under one contract regardless of the amount insured. The minimum annual premium is $115*. A rate higher than the $0.35 per $100 of value may be charged for recording equipment, instruments that are exclusively electronic and for instruments considered a higher risk by the underwriter. Acceptance of insurance is at the discretion of the underwriters at Clarion Associates."

Do any of you have insurance with Clarion? Do any of you have your musical instruments specifically insured? I'm curious.

Jeff and I worked in the office all day yesterday; dinner was frozen tv dinners (Doug's stash in our office fridge...I'd better replace them before he notices!). We went out to see Chicken Run with Scott M. and Helen on Friday night...lots of fun. :-) My favourite character is the knitting chicken (can't recall her name).

Today's blatherphoto is from Sara's kindergarten graduation. If you're interested in seeing my "harp arrived today!" photos, please see my How My Harp Was Made page and scroll to the bottom.