There always your “bestest friend” until you want something from them. Much like banks.

Take Lee’s advice.

Read your insurance policy carefully before making a claim, insurance companies are reknown to try and wriggle and squirm out of paying out.

‘what do you mean, you actualy hit the strings hard when the strap broke’

Never tell them you are a gigging musician, never tell them you are in a band, and never offer info willingly.

I speak from expierience.

Try looking on ebay to get a ballpark figure .It’ll at least tell you what some people are willing to pay for them..not necessarily what they are worth

for instance
http://cgi.ebay.com/Washburn-D12-Twelve-String-Acoustic-Guitar-w-case_W0QQitemZ150055903082QQihZ005QQcategoryZ33032QQssPageNameZWDVWQQrdZ1QQcmdZViewItem

list of 9 yamahas :
http://search.ebay.com/search/search.dll?sofocus=bs&sbrftog=1&catref=C6&submitsearch=Search&from=R10&satitle=+Yamaha+FG-75&sacat=-1%26catref%3DC6&sargn=-1%26saslc%3D2&sadis=200&fpos=ZIP%2FPostal&ftrt=1&ftrv=1&saprclo=&saprchi=&fsop=1%26fsoo%3D1&coaction=compare&copagenum=1&coentrypage=search