Synthesizer Insurance

Can synthesizer policies cover more than just the synthesizer?

Synthesizer policies may cover equipment that's used along with a synthesizer, possibly including instruments, amps, speakers, studio gear or other items. For example, a policy with the right terms might extend coverage to:

• Synthesizers (e.g., analog, digital, modular synths)
• Drum machines and samplers
• MIDI controllers and sequencers
• Cases and covers
• Cables and power supplies
• Other gear as specified in a policy

An insurance agent who specializes in synthesizer policies can help determine exactly what a policy could cover.

What risks do synth insurance policies protect against?

Synth insurance policies may offer protection against a wide range of risks that could lead to significant damage or total loss. Policies may cover synths should damage or loss be caused by:

• Fire
• Power surges
• Theft
• Smoke
• Water damage
• Accidental damage

Not all policies automatically cover accidental coverage, and it's important to review the coverage terms in a given policy. This is something that a knowledgeable insurance agent can help with.

Does homeowners insurance cover synthesizers?

While homeowners insurance policies often provide some coverage for musical equipment, the limits might be quite limited. A homeowners policy may only offer a small amount of coverage for expensive musical equipment, and this amount could be substantially less than what a synth would cost to replace.

In these situations, a separate synthesizer policy is usually the best way to insure a valuable synthesizer. Sometimes coverage is alternatively available through a homeowners policy, but a policy that's specifically tailored for synths is likely to provide more specifically relevant protections.

Does synth insurance protect synthesizers when they're being transported?

Ensuring that a synthesizer is fully insured is particularly important whenever the instrument is being moved. While shipping companies may offer some form of insurance, this is typically not as comprehensive as a dedicated synthesizer policy and could leave the instrument underinsured.

Our musical instrument policy covers equipment while in use, storage or transit, including while the violin is being transported in a vehicle, airplane or train.

How much does it cost to insure a synthesizer?

The cost of insuring a synthesizer varies according to several factors. By far, the value of the synthesizer and any other equipment being insured is the most significant factor. Underwriters will look at other details too, though.

Because cost varies, it's difficult to say how much insuring a synthesizer will cost in every situation. The best way to get an accurate picture of cost is by requesting a custom quote for your synthesizer. A custom insurance quote will show how much insuring your particular synthesizer will be.

Questions? Send us an inquiry or email us directly