Hi, thanks for your question!
I understand you have rated the piano's condition at "fair" which would be consistent for an older piano that has not had regular maintenance as well as some condition issues both mechanically and cosmetically. Pianos lose value with age as their parts wear, so the value of an older piano would be significantly lower than a new instrument of comparable value. Based upon your description of maker, age, size and condition, I would recommend an insurance value of approximately $4,500. Best wishes!
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