Are your instruments insured? Not everyone likes to think about what could happen to their instrument, but accidents do happen. One time my friend’s mom ran over her violin! What would you do if something happened to your instrument at a gig?
Homeowners, renters, or car insurance sometimes has some pretty strict rules about claiming musical instruments. If something happens to your instruments in your home, property, or car it can be covered, but if something happens on the job it isn’t covered. Some policies also differentiate between a hobby musician and a gigging musician.
Instrument insurance policies vary just as much as all other insurance policies. It’s a good idea to look around and get quotes from various services to see what would work for you.
Below I’ve listed four common instrument insurance companies:
This is not a comprehensive list but rather a place to start. What instrument insurance do you use? What would you add to the list?