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How much does musical instrument insurance cost?

High-value instruments or accessories may need a receipt, an appraisal or other documentation to show proof of ownership and value. You can insure one item or many, and limits start at $100. What does musical instrument insurance cover? You can insure many types of instruments and accessories for personal use. Here are some examples.

Does homeowners insurance cover musical instruments?

Homeowners insuranceprovides built-in coverage for most musical instruments, including accessories and sheet music. However, this coverage is only available up to a certain dollar amount. Musical instruments fall into a category of items that are often worth considerably more than many other personal belongings.

Does insurance cover instruments?

While they may not be instruments, most policies will usually cover other types of accessories and musical equipment as well. Gear such as amplifiers, mixing and mastering units, microphones, and PA systems can be just as expensive as your instruments, and therefore require proper coverage.

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