Worldwide, all‑risk protection for the instrument you play.
From a first student violin to a vintage archtop, our individual instrument program covers players wherever they perform, practice, or travel.
Availability and specific terms vary by state and by the carrier we place your risk with. A specialist will confirm what's available for your situation.
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.
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.
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.
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.
Yes. Multiple instruments, bows, cases, amplifiers, and related gear can be scheduled on one policy, with blanket limits available for lower-value items.
How musicians value instruments for insurance: appraisals, replacement cost vs. market value vs. agreed value, building a schedule, and checking whether your limits are adequate.
Read the guide GuidesTheft from vehicles is the most common loss touring musicians file. Here is how coverage actually responds, and the exclusions that catch people out.
Read the guideTell us about your instruments, studio, storefront, or tour — we'll come back with a right-sized program for your business.