Insurance for guitars & amps - Heritage? MusicPro? Other?

[nevershouldhavesoldit]

As our homeowners' insurance goes up and up, I'm looking for ways to cut our overall insurance cost without compromising protection. The last thread on this is 2 years old, and insurance has changed a lot over that time. A Google search for musical instrument insurance gets a lot of hits, some from known carriers and others from companies with no visible track record. Several of them exclude coverage on gigs, which is a problem for me. The two that seem most popular on the web and among people I know are Heritage and MusicPro.

I'd appreciate input on your experiences with instrument insurance. Both recommendations and cautions are equally helpful and appreciated.

[paulkogut]

I have Heritage, which was recommended by my luthier. The price is better than what I had years ago through the AFM, and customer service for adding/deleting coverage has been good. So far I've been lucky to not have anything stolen/damaged, so I can't say for sure how they perform in that arena. Best wishes for keeping your instruments safe!

PK