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Musical Instrument Coverage Misconceptions

Musical InstrumentIt is commonly believed that musical instruments are covered from theft and damage on an existing homeowner’s insurance policy. If you instruments leave your house this is not true…they are not going to cover something that has been damaged while away from your home. Even instruments that never leave home do not have complete musical instrument coverage under a homeowner’s policy.

While instruments are at home the homeowner’s policy will only cover them up to a certain (often very low) value, the policy will often also have a very large deductible. Just like any of your property a typical homeowner policy flood’s and earthquakes are just not part of the policy. Which means that your instrument will not be covered if damaged by flood or earthquake.

We offer the proper musical instrument coverage at a very affordable rate!
Learn More About Musical Instrument Insurance