<head><style>body{font-family: Geneva,Arial,Helvetica,sans-serif;font-size:9pt;background-color: #ffffff;color: black;}</style></head><body id="compText">Is anyone aware of a separate policy, or an insurance company that offers coverage solely for pianos?  And is it cost-prohibitive, or a cost-savings?<br>In most cases, separate riders are attached to the main policy.  One client's homeowners insurance company offered coverage like this for his piano, but at a rate of about $12 per thousand, for replacement insurance.  Might that be too high, or "standard and customary"?<br>Appreciate anyone's input who has experience with this.<br>Thanks,<br><br>Chuck Christus, RPT<br></body>