Heritage Insurance?

DanGo · 19th January 2012

Has anybody had any experiences with Heritage Insurance? I'm thinking of having them insure my guitars and studio gear. They seem very reasonable (so I'm thinking: what's the catch?!)...

DanGo · 21st January 2012

Anybody have any experiences with Heritage? Especially with claims? Good or bad? Or Clarion?

litepipe · 21st January 2012

I use clarion. They've been pretty good with claims. the people that work there are nice. I've been using them for about 8 years.

DanGo · 25th January 2012

Thanks, Mark.

Anybody else have experience with Heritage?

Trying to look before I leap...

drbob1 · 28th January 2012

I've used Heritage for a number of years, very nice folks. My son had them and they replaced his stolen guitar and his broken laptop without any problems...

DanGo · 29th January 2012

DrBob, thanks! I just signed up with them. Good to have my gut confirmed...

SonicExplorer1 · 22nd February 2012

I was thinking MusicPro but don't like something I uncovered in the policy. Did you get a copy of the Heritage policy yet?? Do they have any clauses in there about "Other insurance" situations such as if you have overlapping coverage (through something like homeowner's insurance)?

I'm wanting something entirely decoupled from my homeowner's insurance, and apparently MusicPro is NOT it. You THINK you are paying for independent insurance when instead it behaves more like a SUPPLEMENTAL policy in situations where coverages overlap. You can end up having MusicPro make a claim on your other insurance policy as a result. With some really bad repurcussions like possibly higher deductibles and a claim record being triggered where you never intended it to be. Getting straight answers as to how the exact details and dynamics of all this works is like pulling teeth.

Sonic

DanGo · 25th February 2012

Hi Sonic,

Yikes, I agree: MusicPro does not sound good. I'll double check my Heritage policy, but I think it's separate. The policy I have is actually one from The Hartford--Heritage is the agent.

19th January 2012	#1
DanGo Lives for gear Joined: Feb 2007 Location: Los Angeles Posts: 518 Thread Starter	Heritage Insurance? Has anybody had any experiences with Heritage Insurance? I'm thinking of having them insure my guitars and studio gear. They seem very reasonable (so I'm thinking: what's the catch?!)... __________________ composer/producer www.FutureTenseMusic.com

21st January 2012	#3
litepipe Gear addict Joined: Jan 2009 Location: Brooklyn Posts: 362 1 Review written	I use clarion. They've been pretty good with claims. the people that work there are nice. I've been using them for about 8 years. __________________ Mark Marshall Knob Twiddler www.knobtwiddler.net www.facebook.com/markmarshallmusic

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25th January 2012	#4
DanGo Lives for gear Joined: Feb 2007 Location: Los Angeles Posts: 518 Thread Starter	Thanks, Mark. Anybody else have experience with Heritage? Trying to look before I leap...

28th January 2012	#5
drbob1 Lives for gear Joined: Nov 2009 Posts: 1,420 3 Reviews written	I've used Heritage for a number of years, very nice folks. My son had them and they replaced his stolen guitar and his broken laptop without any problems...

29th January 2012	#6
DanGo Lives for gear Joined: Feb 2007 Location: Los Angeles Posts: 518 Thread Starter	DrBob, thanks! I just signed up with them. Good to have my gut confirmed...

22nd February 2012	#7
SonicExplorer1 Gear interested Joined: Mar 2007 Location: East Coast, USA Posts: 15	I was thinking MusicPro but don't like something I uncovered in the policy. Did you get a copy of the Heritage policy yet?? Do they have any clauses in there about "Other insurance" situations such as if you have overlapping coverage (through something like homeowner's insurance)? I'm wanting something entirely decoupled from my homeowner's insurance, and apparently MusicPro is NOT it. You THINK you are paying for independent insurance when instead it behaves more like a SUPPLEMENTAL policy in situations where coverages overlap. You can end up having MusicPro make a claim on your other insurance policy as a result. With some really bad repurcussions like possibly higher deductibles and a claim record being triggered where you never intended it to be. Getting straight answers as to how the exact details and dynamics of all this works is like pulling teeth. Sonic

25th February 2012	#8
DanGo Lives for gear Joined: Feb 2007 Location: Los Angeles Posts: 518 Thread Starter	Hi Sonic, Yikes, I agree: MusicPro does not sound good. I'll double check my Heritage policy, but I think it's separate. The policy I have is actually one from The Hartford--Heritage is the agent.