<p>We also had our S’s instruments on our homeowners, it covered everything and it was inexpensive. Then we moved and the company stopped issuing new policies in Florida (can’t imagine why ;p). New insurance would not provide coverage so got a good recommendation from our local luthier. We now use Heritage and it covers everything including expensive cases, travel, camp / summer programs, locker storage. I would suggest getting a recommendation from your local music store and checking that out as an option.</p>