Avid Pro Audio Community

Avid Pro Audio Community

How to Join & Post  •  Community Terms of Use  •  Help Us Help You

Knowledge Base Search  •  Community Search  •  Learn & Support


Avid Home Page

Go Back   Avid Pro Audio Community > Legacy Products > Pro Tools TDM Systems (Mac)

Reply
 
Thread Tools Search this Thread Display Modes
  #1  
Old 07-13-2010, 03:46 PM
Dizzi45Z Dizzi45Z is offline
Member
 
Join Date: Sep 2007
Location: UT, United States
Posts: 2,026
Default OT: Home Owner's Insurance when Studio is at home

I run my recording studio out of my house. The basement of my house is used for the studio. I have great Business Insurance, but it doesn't seem to matter. Our current homeowner's insurance seems to freak out over the fact that we have a business here. They have threatened to drop us several times and luckily they have held on to us in the long run. I talked with a Home Insurance Broker today and he said that it would be near impossible to find somebody else to insure our home with a recording studio.

Do any of you run your recording studio out of your home? How do you deal with the home owner's insurance stuff.
__________________
recording.guru : FREE Pro Tools Tips and 19 Video Basic Training Course
Pro Tools HDX 2023.9
Mac Pro 7,1 3.2 GHz 16-Core Xeon W
160 GB RAM
macOS 11.7.4
Noisebox Studios -Utah Recording Studio
Reply With Quote
  #2  
Old 07-13-2010, 03:56 PM
Styles Bitchly Styles Bitchly is offline
Member
 
Join Date: Dec 2001
Location: Penthouse Suite
Posts: 388
Default Re: OT: Home Owner's Insurance when Studio is at home

I also have a home-based studio with two insurance policies - one for my home, and one for my business. My homeowner's policy is with Farmers, and my business insurance is a "rider" through RLI Corporation. I would check with other insurance companies concerning this. Don't let your current provider try and scare you into higher premiums, or lower coverage. Remember, they're in this for the money, so they'll tell you whatever they want in order to make the bottom line more profitable.

Good Luck
__________________
Due to budget cuts the light at the end of the tunnel will be turned off until further notice.

http://www.gidakdigital.com
Reply With Quote
  #3  
Old 07-14-2010, 04:40 PM
Dizzi45Z Dizzi45Z is offline
Member
 
Join Date: Sep 2007
Location: UT, United States
Posts: 2,026
Default Re: OT: Home Owner's Insurance when Studio is at home

Are home insurance companies more trusting with a Rider?

I don't fully understand. I have a separate business insurance, is this considered a Rider then? Or is it only considered a rider if it is put together by the original home owner's insurance?
__________________
recording.guru : FREE Pro Tools Tips and 19 Video Basic Training Course
Pro Tools HDX 2023.9
Mac Pro 7,1 3.2 GHz 16-Core Xeon W
160 GB RAM
macOS 11.7.4
Noisebox Studios -Utah Recording Studio
Reply With Quote
  #4  
Old 07-14-2010, 10:43 PM
SWSPHX SWSPHX is offline
Member
 
Join Date: Nov 2009
Posts: 100
Default Re: OT: Home Owner's Insurance when Studio is at home

Yeah for the sake of insurance, just get a gear rider on your gear and instruments. Not that expensive.
Reply With Quote
  #5  
Old 07-14-2010, 10:55 PM
ryan de topanga ryan de topanga is offline
Member
 
Join Date: Mar 2002
Location: Topanga California USA
Posts: 223
Default Re: OT: Home Owner's Insurance when Studio is at home

I've got equipment insurance through the Musician's Union (Local 47 in Hollywood), of which I am a member. It covers my studio gear and even when you factor in the cost of paying union dues on top of the premium, it's a really good deal.

http://www.afm.org/why-join/u-s-bene...services#equip
Reply With Quote
  #6  
Old 07-15-2010, 07:18 AM
Cliffy_Boy's Avatar
Cliffy_Boy Cliffy_Boy is offline
Member
 
Join Date: Jul 2003
Location: Montréal, Québec
Posts: 5,091
Default Re: OT: Home Owner's Insurance when Studio is at home

don't forget to cover the assets on your ilok. If its stolen, you may be SOL
__________________
Cliff Stendel
-iMac 5K 32g
-PT12. HDX
-HD I/O 8x8x8. -HD Omni -Avid S3


-API 2500 -API 5500 -UA 2-1176 -UA 2-610
-Neve 1073, Chandler LTD-1 -Eventide H8000FW -Lexicon PCM96
-Bricasti M7. -Joe Meek channel.


-Waves Mercury, Flux all, Softube All, Plugin Alliance all, McDSP all, Sonnox All, MH production, Wave Arts,a bunch more
-Moog Voyager XL, Nord Piano, Hartmann Neuron, ARP Axxe, Gibson Les Paul, Mesa Boogie Roadster, Kemper, Taylor T5 and T5-12
Reply With Quote
  #7  
Old 07-15-2010, 09:24 PM
ryan de topanga ryan de topanga is offline
Member
 
Join Date: Mar 2002
Location: Topanga California USA
Posts: 223
Default Re: OT: Home Owner's Insurance when Studio is at home

Zero Downtime option is worth it on iLok. I remember seeing mine attached to a 22" cinema display as it fell backward, in slow motion, me shouting NOOOOOOOOOO!! (in that half-speed way). Totally shattered. Took days to sort out. Lost a lot more than $30. worth of time and effort.
Reply With Quote
  #8  
Old 07-16-2010, 08:48 AM
Cliffy_Boy's Avatar
Cliffy_Boy Cliffy_Boy is offline
Member
 
Join Date: Jul 2003
Location: Montréal, Québec
Posts: 5,091
Default Re: OT: Home Owner's Insurance when Studio is at home

zero downtime is a must but it doesn't help much if someone walks off with your iLok.
__________________
Cliff Stendel
-iMac 5K 32g
-PT12. HDX
-HD I/O 8x8x8. -HD Omni -Avid S3


-API 2500 -API 5500 -UA 2-1176 -UA 2-610
-Neve 1073, Chandler LTD-1 -Eventide H8000FW -Lexicon PCM96
-Bricasti M7. -Joe Meek channel.


-Waves Mercury, Flux all, Softube All, Plugin Alliance all, McDSP all, Sonnox All, MH production, Wave Arts,a bunch more
-Moog Voyager XL, Nord Piano, Hartmann Neuron, ARP Axxe, Gibson Les Paul, Mesa Boogie Roadster, Kemper, Taylor T5 and T5-12
Reply With Quote
  #9  
Old 07-16-2010, 03:34 PM
Steve@ZooWest Steve@ZooWest is offline
Member
 
Join Date: Jan 2005
Location: North Indianapolis
Posts: 397
Default Re: OT: Home Owner's Insurance when Studio is at home

I have State Farm. They cover both homeowners and business separately; they're easy to get along with, and don't require an equipment list - so I have photo evidence and of course could produce receipts.

Had a bad house fire awhile back (studio not damaged). State Farm was very good to me...
__________________
"Modern manufactured music is like art they sell at a furniture store."

http://www.weddingmusicproject.com/
http://www.weddingmusicproject.com/w...music-samples/
http://stevemillikan.com/

Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Home Studio Reggie Reg macOS 7 04-09-2011 03:26 AM
From Studio to Home PC Hooh Hearted 003, Mbox 2, Digi 002, original Mbox, Digi 001 (Win) 8 07-15-2010 08:16 PM
Anyone Using MPowered 8 On Vista Home basic or Home premium acq1 Pro Tools M-Powered (Win) 0 01-13-2009 08:59 PM
home studio oster 003, Mbox 2, Digi 002, original Mbox, Digi 001 (Win) 2 11-04-2004 07:05 AM
OT Australian insurance company to cover home studio?? Rowan C 003, Mbox 2, Digi 002, original Mbox, Digi 001 (Win) 7 06-26-2003 12:49 AM


All times are GMT -7. The time now is 04:46 PM.


Powered by: vBulletin, Copyright ©2000 - 2008, Jelsoft Enterprises Limited. Forum Hosted By: URLJet.com