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Gail Zappa and her lawyer flew in from California more than five years after the lawsuit was filed against Ameublements Tanguay Inc Zappa, who died in 1993, was a quirky artist whose fans included many people other than rockers He was inducted into the Rock and Roll Hall of Fame in 1995 "It's a signature work of my husband, it's part of a literary work and not only did they take it without permission, they whacked it, they cut it and chopped it up to suit their design," Gail Zappa said in an interview Sunday night The commercial, broadcast only in eastern Quebec in 1995, used Watermelon in Easter Hay from the album Joe's Garage The case was being heard in a Quebec City federal court Frank Zappa's Widow Sues Over Music Use Jan 12, 3:34 PM EST The widow of eclectic musician Frank Zappa appeared in a Canadian court Monday to sue a Quebec furniture store chain for unauthorized use of one of his guitar instrumentals in a commercial Tanguay, a 10-store chain, is a subsidiary of Montreal-based Groupe BMTC Inc The furniture chain insists the whole thing is due to a misunderstanding and it made a mistake in good faith , a holding company with 2,000 employees and a net income of about $27 million in 2002 It said it did not realize the song was Zappa's and had hired a Quebec City producer which subcontracted the musical work to a freelancer Many homeowners policies reimburse through a method known as "actual cash value," or the replacement value minus depreciation The cost will vary depending on the item and the risks it faces If you own a collection of rare books worth $200,000, "you've got a problem," Kovel said 50 per $100 a year "There's just not the same pressures on fine art that there is on homeowners insurance Jewelry, for example, can cost about $2 to $2 Even if the policy is without such clauses, there may not be enough to cover the loss of very expensive items Homeowners insurance generally covers personal property for 50 percent to 70 percent of the value of the home Terry Kovel says some people make the mistake of assuming their homeowners insurance will cover losses to heirlooms and other objets d'art but these policies can be very limited in protecting some valuable possessions People who want special protections for specific objects may want to add what are known as schedules to their homeowners insurance policy The good news is that insurance premiums for fine art â€â€? which can include just about any rare or historical item â€â€? can be pretty cheap So if your home is valued at $300,000, for example, your personal property may be reimbursable up to $150,000 People Should Brush Up on Art Insurance Mar 9, 9:40 PM EST Collecting art and antiques has become more common in recent years, but many collectors are still in the dark about insuring their valuables It's common to encounter special clauses that exclude fine art and antiques, or that cap payments on losses Because every policy is different, homeowners will need to scan through their contracts to get a complete picture of what limitations apply in New York " The biggest red-flag alerting you to the need for special insurance coverage is "when you've got a house where the insides are worth more than the outside," said Kovel Common limits are reimbursement caps on easily stolen goods, like jewelry Despite the recent jump in homeowners premiums, fine-art premiums should remain stable, said Theresa Lawless, a program manager for fine-art insurance with Fireman's Fund in Novato, Calif If your valuables are adequately covered by the standard 50 percent of the home value offered by homeowners insurance, you will still want to scan the policy for clauses that may limit coverage But there are other options, including so-called blanket insurance for collections that consist of many items of relatively low value â€â€? like wine, stamps or jewelry There are families with "$1 million to $5 million worth of home items, from antiques lamps and furniture to Persian rugs" left uninsured because the owners don't think of themselves as art collectors, she said Expect to pay between 10 cents and 50 cents per $100 per item a year Maybe you don't have a Picasso on the wall, but this can still be important if you consider the value of furniture that might have been in the family for generations or that collection of baseball cards Costs also rise dramatically for objects that tend to be likely candidates of theft Also, make sure you understand how the insurance company will reimburse losses Terry and Ralph Kovel, who published their first price book on antiques 36 years ago, say collecting has become much more mainstream Fine-art insurance is commonly overlooked among people who have been living in the same house for years and who have collected a mishmash of valuables from various places, said Renee Vara, fine art specialist at Chubb Corp |
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