Instrument Insurance -- Protect your GAS!!!

Discussion in 'Miscellaneous [BG]' started by tb-player, Nov 18, 2019.

  1. Yes, I'm fully covered.

  2. No separate policy. I'm fine with my home coverage.

  3. Nope. Never even considered it.

  4. (Obligatory carrot option)

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  1. tb-player

    tb-player Gold Supporting Member

    Mar 6, 2019
    How many people insure their musical instruments?

    I was looking over my home insurance policy a few years back because it provides coverage for personal property. So I had some coverage for my basses & guitars if there were ever an incident that would affect them. But as I looked closer, I realized my home insurance deductible would apply to any loss. So if a bass was damaged/destroyed as a result of a claim, I wouldn't get enough money to fully replace it.

    So I took out a separate, deductible-free Personal Articles Policy for a few items that would need replacing... MacBooks, the wife's engagement ring, and all of my basses/guitars.

    It's pretty inexpensive, considering the fact that I could replace any of those items with zero deductible, if they were destroyed, stolen...etc. Granted, if I was a regular gigging musician, the cost would be a little higher. But all in all, a pretty good investment, I think.

    Curious if anyone else does this?
  2. MrLenny1


    Jan 17, 2009
    New England
    I use to carry a marine/floaters policy. It covered the gear
    for touring but got very expensive so I dropped it.
  3. Primary

    Primary TB Assistant

    Here are some related products that TB members are talking about. Clicking on a product will take you to TB’s partner, Primary, where you can find links to TB discussions about these products.

    Jul 27, 2021

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