Insurance of musical instruments


New member
Hi everyone,

I have read something about the Insurance of Musical Instruments and I would like to know if the people in the forum would be interested in it and your opinion about it, if you would like to have one, what kind of problems this insurance should cover and your interest in it.

Thanks for all

Have a great week


Staff member
Our church pipe organ is insured for about $250,000 (USD) as that would be today's replacement cost for this 1979 Möller II/9.

My piano at home is covered by my home insurance policy.

I truly believe that all musical instruments should be covered by some sort of insurance policy in any case ... whether they are in churches, synagogues, chapels or cathedrals and homes.


Active member
I too believe it is great to insure them as replacement can really be expensive as Lars pointed out.


Most household insurance whether you are a tenant or owner will cover your instruments at home. Check the limits on your policy. In England you are usually covered up to £1000.00 per item and more expensive items can be specified for a higher level. Also check whether you have accidental cover so that if you trip over and break something the insurance cover will still pay out. If you are taking instruments out of the house ask for all risks. Then you will be covered even if you leave your guitar on a bus somewhere.


John Watt

New member
I like talking about insurance, at least my father's insurance agent.
When I was visiting my parents with the band van in the driveway,
my just arrived, custom-ordered Marshall head from England was stolen.
My Dad phoned because this theft happened on his property and I called the police.
Because my father never had a claim, the agent offered to cover my amp right away.
After I recovered the stolen amp I took it to the insurance agent, who got a kick out of that.
He let me buy it back at his disposal price, me letting a guitarist friend of mine get it.

If you're not connected, being on the road is a good reason for insurance companies to deny coverage.