I write musical instrument insurance and I just wanted to say that indeed losses DO happen. I’ve seen everything from running over an instrument to the domino effect with basses, straps breaking and instruments tumbling, other instruments hitting each other, topples, falls, floods and fire to name a few! It certainly does pay to have musical instrument insurance.

Our policy is a standard worldwide coverage based on replacement cost for both professional and non professional use.

You are also indeed correct in saying that a homeowner’s policy may not be the best choice. Many homeowner’s policies cover on an actual cash value (This means they depreciate your instrument!) and your deductible may be upwards of $1000! There are many things to think about.

For a minimum premium of $125 a year, you can’t afford to be WITHOUT musical instrument insurance!

Thanks again!!!