Disklavier

Just a fyi,
 
I stopped into my dealer yesterday to get an updated appraisal for my  
insurance company of my DU1A, which is no longer made. It had listed for 20K  
when I bought it and I insured it for about 17K based on my dealer's  
recommendation of actual replacement cost, if I waited for a sale and with  teacher 
discount, etc.
 
He gave me a document saying the DU1E3 is the current replacement and the  
list price is 25,999!
 
He suggested insuring for at least 20K as it will cost at least that to  
replace it.
 
I last did this over 5 years ago, and had no idea that prices went up so  
much.
 
I also don't know if prices are the same in other parts of the country, but 
 the point here is many of you have pianos way more costly than mine, make 
sure  you have enough insurance. Mine is a rider which covers more perils 
than my  condo insurance. 
 
(maybe the mayhem guy should do an Allstate piano commercial - George  L, 
you are probably the guy to make one up!)
 
I asked him if he sees purchases due to fires and perils much and he said  
yes. Once one of my student had a terrible house fire shortly after 
purchasing a  50K mahogany disklavier, I can't recall the model, but it was not that 
 large, but was a Mark IV. They did get a good price, and 3 years later 
when they  were ready to replace it they again got lucky with a sale.  

Blessings,

Wanda

When I was living in Canada I was with an insurance for professional musicians (through the union) and the prices were much much less than a normal home insurance... it worth a good look around

Hi, George,
 
In my case, I teach at the university, do not teach on my home  instruments.
 
Yes, homeowners will cover BUT my homeowners will cover water falling  
(broken pipe or (I guess) leak in the roof) it will NOT cover water rising  
(flooding). I live by a creek.  ;-(
 
At the time I looked at all the perils covered, and elected to go  with  a 
rider. There is no deductible, which I suppose is not that big of a  deal, 
but in the event that I get a flood, I may be homeless but I will have a  
disklavier!
 
;-)
 
The agent at the new company I am going with said it does not cover wear  
and tear (duh) and does not cover things like critters chewing or  nesting. 
Hmmmm. Someone must have put in a claim for mousees peeing on their  
soundboard. 
 
OH, and it does not cover (as homeowners does not either, noocleeyur  
attack, act of wore, if the us bombs me by mistake, since I read  too many  
conspeeracee sites... I guess that includes a drone attack. ......since this  
email will sit in utah for decades............ I spell funny
 
Besides flooding there is no peril I can think of that could happen, if  
they steal that sucker good luck getting out with no one seeing you it is 
heavy,  lol.
 
But in the event that there is an "iffy" peril - maybe rain that comes in  
through the roof, and a "little" water rising (I am ground level by the 
creek),  but the water rising is not "deep" but the water FALLING appears to 
damage the  piano, as it starts "rising" from "falling", I will NOT have to 
worry about the  insurance quibbling whether it was the falling or rising water 
that damaged  it.
 
;-)
 
<<Good evening, everyone.

Wanda, there is one other thing for  some of us to consider.Both you and I 
are professional musicians. I was told by  my independent agent many years 
ago that I needed a business policy to cover my  professional gear, including 
my pianos. They said that my normal home owners  insurance would cover my 
pianos if I did not use them for business, but since I  use them for 
business, they would have to be covered by a business insurance  policy.

Regards,
PianoBench>>