<WBR>Chuck<br> <br> Most insurance companies offer a blanket replacement value rider, which includes all "normal" possessions in the house, including pianos. For unusual instruments, or expensive jewelry, additional riders can be purchased. I might be prudent for you customer to shop around for the best insurance deal. <br> <br> <div style="CLEAR: both">Willem (Wim) Blees, RPT<br> Piano Tuner/Technician<br> Honolulu, HI<br> 808-349-2943<br> www.bleespiano.com<br> Author of <br> The Business of Piano Tuning<br> available from Potter Press<br> www.pianotuning.com</div> <br> <br> -----Original Message-----<br> From: chuck c <chchristus@earthlink.net><br> To: pianotech@ptg.org<br> Sent: Mon, 1 Sep 2008 6:11 pm<br> Subject: Piano Insurance<br> <br> <div id=AOLMsgPart_0_711b2676-7b01-466c-8249-975e2eefacc9> <STYLE>#AOLMsgPart_0_711b2676-7b01-466c-8249-975e2eefacc9 body{font-family: Geneva,Arial,Helvetica,sans-serif;font-size:9pt;background-color: #ffffff;color: black;}</STYLE> 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> </div> <div id='u8CADADECBF5A5F2-CAC-4640' class='aol_ad_footer'><FONT style="color: black; font: normal 10pt ARIAL, SAN-SERIF;"><HR style="MARGIN-TOP: 10px"><A title="http://mapquest.com/toolbar?ncid=mpqmap00050000000010" href="http://mapquest.com/toolbar?ncid=mpqmap00050000000010" target="_blank">Get the MapQuest Toolbar</A>. Directions, Traffic, Gas Prices & More!</FONT> </div>