In answer to Jack Breen.  I am very aware of the insurance problem
with our instruments, because I sustained a serious loss with an
orchestrion.  It was dropped by the shipping company and they denied
liability.

Fortunately, I had purchased an all-risk fine arts policy from State
Farm Insurance Co.  in conjunction with my homeowners insurance.  It's
expensive, and takes work because I was required to photograph and
catalog every item in my collection.  It sure was worth it though, they
came through for me.  Never questioned the value and they took action
against the shipper.

My advice is find an insurance company that insures fine art.  After
all, this is what we collect.  Make sure it is an all-risk floater, and
insure to full value.

I do not believe $31,900 is adequate for a Violano.  They are the
fastest appreciating of all mechanical musical instruments.  The
singles are approaching $50K restored, and what few double Violanos
ever hit the market are approaching six figures.

You must think replacement value, not purchase price.  if State Farm
Ins. is available in your state I would recommend them based on the
comprehensive coverage their policy provides.

Al Menashe