Shopping for Instrument Insurance

fineartsmajormom
Thu, 05 May 2011 15:13:27 +0000

Try the homeowners. It covered absolutely everything on our three instruments ($10,000 total) including damage not just theft when the instrument is at college. Generally your insurance covers all of your belongings even when you take them away from your home like cameras when you are abroad. However, rarely is the claim above your deductible. Thus, particularly valuble items like jewlery, artwork and instruments can be added to y our policy and cover them when the items are outside of your house. Generally you need an estimate of value, certificate of ownership, etc but if your instrument is expensive you probably already have this.