Does homeowners insurance cover a piano?
Most homeowners insurance policies provide some coverage for musical instruments, but the coverage tends to be quite limited. For example, a homeowners policy might only cover instruments up to $2,000. That's far less than what many pianos are worth.
A separate piano policy is usually the best way to procure insurance for any piano that's more valuable than a homeowners policy's musical instrument limit. Although homeowners policies might offer riders that increase insurance for instruments, these aren't always as specific to pianos and can cost much more than a piano policy.
Do piano policies cover pianos when they're being moved?
Making sure a piano is fully insured is especially important anytime the piano is moved. While movers might provide an insurance option, this usually isn't as robust as a true piano policy and could leave a piano not fully insured.
Having a piano policy in place is usually the best way to insure the instrument when it's being moved.
Our policies include worldwide coverage, with the exception of Countries currently under sanctions by the US State Department.
How much does it cost to insure a piano and its accessories?
Piano policy's premiums are based on many factors, and therefore vary from one situation to the next. The value of a piano is the most important detail, but there are others that insurance underwriters look at.
Getting a custom quote for a particular piano is the best way to find out how much insuring that piano will be.