Music is a universal language that has the power to move and inspire people. It’s no wonder that many of us are passionate about playing musical instruments. But have you ever thought about what would happen if your prized possession got damaged or stolen? Would your homeowners insurance policy cover it? This blog will discuss musical instruments and home insurance coverage.

When Should You Cover Your Instrument?

As a musician, your instrument is more than just an object – it’s an extension of yourself. Unfortunately, accidents can happen, and your instrument could get damaged or stolen. In such cases, you must know if your homeowners insurance policy would cover the loss.

While most homeowners insurance policies cover personal property, including musical instruments, some limitations exist. For instance, if your instrument is expensive, it may exceed your policy’s coverage limits. Also, your policy may not cover losses outside your home, such as when traveling to a gig or a lesson.

Separate Musical Instrument Policy

Consider a separate musical instrument policy if you own valuable or rare musical instruments. Such policies are designed to cover instruments that are worth more than what your homeowners insurance policy would cover. These policies offer comprehensive coverage, including protection against damage, theft, and loss.

A separate musical instrument policy is typically customized to your specific needs, considering factors like the value of your instruments, where you store them, and how often you use them. Some policies also cover sound equipment, sheet music, and accessories.

It’s important to note that separate musical instrument policies may have exclusions and limitations, just like any other insurance policy. For example, some policies may not cover losses during performances or while in transit.

Typical Musical Instrument Insurance Costs

The cost of a separate musical instrument policy varies depending on several factors, such as the value of your instruments, the type of coverage you need, and your location. On average, premiums range from 1% to 2% of the insured value of your instruments.

For example, if you own a $10,000 violin, your annual premium could be anywhere from $100 to $200. While this may seem expensive, it’s a small price to pay for the peace of mind that comes with knowing your instruments are protected.

It’s also worth noting that some insurance companies offer discounts for musicians who take precautions to protect their instruments. For instance, if you store your instruments in a safe or use high-quality locks, you may get a lower premium.


If you own musical instruments, you must ensure they’re adequately protected. While your homeowners insurance policy may cover your instruments somewhat, more is needed for valuable or rare instruments. A separate musical instrument policy is a wise investment that can provide comprehensive coverage and peace of mind.

Cover Your Musical Instruments with Scautub Agency!

If you’re interested in exploring your options for musical instrument insurance, contact Scautub Agency. Our experienced agents can help you find the right policy that fits your needs and budget. Don’t let an accident or theft ruin your passion for music – contact us today to get the protection you deserve.


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