Worldwide, all‑risk protection for the instrument you play.

Frequently asked questions

Does homeowners or renters insurance cover my instrument?

Only partially, and often not the way a player needs. Homeowners policies commonly cap musical instruments, exclude professional use, and apply a deductible. A scheduled instrument policy typically covers a wider range of causes of loss with no deductible or a small one.

Am I covered when I play professionally or get paid to perform?

Under a homeowners policy, usually not — professional use is a common exclusion. An individual instrument policy can be written for amateur or professional use; tell us how you use the instrument so it's rated correctly.

Is my instrument covered while traveling or on tour?

Instrument policies are generally written on a worldwide, all-risk basis, including in transit, at venues, and away from home. Confirm with us if you fly with the instrument or store it in a vehicle, since some conditions apply.

Do I need an appraisal?

For most modern instruments a purchase receipt or current retail value is enough. Vintage, rare, and high-value pieces usually need a recent appraisal so the agreed value is documented before a loss.

Can I cover a collection, or bows and accessories?

Yes. Multiple instruments, bows, cases, amplifiers, and related gear can be scheduled on one policy, with blanket limits available for lower-value items.