Do I need insurance for musical instruments?

Your musical instruments may be covered by personal property coverage on a homeowners, renters, or condo policy, up to your policy's limit and minus your deductible. Some insurers may require you to schedule your musical instrument separately, also known as adding a rider to your policy, in order to adequately insure the instrument.

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How are musical instruments covered by insurance?

Musical instruments fall under personal property coverage, designed to protect your belongings against covered perils. If your musical instrument is damaged from a covered peril, your homeowners, condo, or renters policy may pay to repair or replace your instrument, up to the limits of your policy and minus your home or renters insurance deductible.

Your insurance policy may have a "sub-limit" for specific categories of personal property like musical instruments. Sub-limits often apply to items that are especially valuable or at a higher risk for a loss. In those instances, your policy may only pay up to a certain dollar amount in the event of a loss. Contact your insurance company to learn whether your musical instrument is subject to a sub-limit within your personal property coverage.

Example:Your insurer has a $2,000 sub-limit on musical instruments. Your residence is robbed, and your vintage guitar is stolen. While the value of your guitar is $4,500, your insurer may only pay you $2,000, minus your deductible, because your insurance policy has a sub-limit for musical instruments.

How can I make sure my musical instrument is fully insured?

You may be able to "schedule" your musical instrument, on your home or condo insurance policy to make sure the item is adequately covered. This is also referred to as "adding a rider," which means you're calling out a specific item on your policy and paying an additional premium to ensure coverage beyond your policy's stated sublimit for the item.

Get coverage for your musical instrument

New Progressive customers

Quote home insurance, condo insurance or renters insurance online or call 1-866-749-7436 and learn how your instrument can be covered.

Current Progressive customers

Log in to your policy or call 1-866-749-7436 to check on the limits and sub-limits for your personal property coverage.

Quote homeowners insurance online or call for advice

Learn more about home insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.