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Why Is Musical Instrument Insurance Necessary?

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By Author: michal jordan
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As a musician, you've probably invested a considerable amount of money on your musical instrument – let alone the time you spent researching and finding the one that best suits your needs. You have also developed an emotional bond between you and your musical instrument over time. Given the deep feelings you may have for it, you naturally want to protect your instrument.

It doesn’t matter how careful you are, if you're playing your instruments, there will always be the possibility ofaccidental damage – or even worse, theft and loss.
Insuring your musical instruments against the unexpected with musical instrument insurance is the best way to stay protected. Read on tolearn why.

Accidents Happen

Instruments can easily be damaged, even in the safety of your own home. Exposure to direct sunlight and heat is one of the most common factors that can cause varnish and joints to degrade. Moisture and temperature changes are additional factors that can significantly affect your instruments' quality and sound. Dust and dirt are other things to avoid if you want to protect your instrument and prolong its life. Damage from failure to store and maintain your musical instruments properly can be extremely expensive to fix, or be irreversible.

An easy way to safeguard your high-quality musical instrument is to always store it in a weatherproof case, away from sunlight, heat, moisture, dust, and dirt. Whenever you’re traveling with your instrument, always make sure you’re securely transporting and storing it to avoid any damage. However, even the proper precautions and instrument care may not always be enough to protect your instrument, because accidents can always happen.

Whether you're practicing at home, or performing on tour, all it takes is one freak accident, or mistake, to damage your instrument irreversibly. Natural disasters such as earthquakes, storms, or floods canalso damage your instrument and ruin your investment, not to mention the destruction caused by fires. Another unfortunate issue musicians may face is having their instruments stolen. The risks are too high not to protect yourself.

So if you prefer to focus on honing your craft rather than worrying about what could happen to your instruments, getting them insured is the best answer, and choosing the right musical instrument insurance is the key.

Homeowners Insurance May Not Be Enough

Household insurance policies often impose limits on the total property damage claim, or evenclaim limits per item. Some exclude musical instruments or offer per-item coverage that is lower than their actual cost. This means you would need to request a rider on your policy that would specifically provide coverage for your instruments, which often significantly increases the insurance premiums.

There are some additional pitfalls here as well. Homeowners insurance is usually not ‘all-risk’, meaning it will only cover damage from named perils such as theft or fire, but not necessarily natural disasters. It also may not cover professional use. Furthermore, homeowners' insurance policies will most likely not cover your musical instruments once they leave your home. Which for any professional or training musician is simply unacceptable?

The Benefits of Musical Instrument Insurance

When choosing insurance for your musical instruments, you should pay attention to the specific features and benefits each policy offers. An excellent specialized musical instrument insurance policy will cover professional usage, breakage, and even damage from natural disasters such as earthquakes or floods. It will also provide coverage for borrowed or rented instruments while yours are being repaired.

Clarion Associates proudly offers our clients all these coverages and more, as well as access to one of the nation's largest networks of authorized dealers. Our specialized musical instrument insurance offers a wide range of benefits that will allow you to focus on your art, rather than worrying about your instrument’s future. Clarion Associates is proudly here for you and your instruments.


Purchasing a musical instrument can be a significant investment, both personally and financially. This is true for anyone, but it's especially true for professional or training musicians who play valuable and delicate instruments. Unfortunately, even with proper care and maintenance, your instrument isn't guaranteed to be safe and protected. Accidents happen all the time – even at home. Thankfully, Clarion is here to help you when they do.

Our specialized, and comprehensive, musical instrument insurance plans are trusted by thousands of musicians all over the world. Contact us today and speak to our team for a quote and find out why Clarion is the perfect solution for protecting your musical instruments.

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