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Violin Insurance
What is violin insurance?
Whether you're a professional orchestra musician, a private violin teacher, or an emerging student, owning a violin often represents a significant investment. You don’t need a Stradivarius to have purchased an expensive violin, and any expensive violin should be insured. That’s what violin insurance is for.
Violin insurance provides coverage specifically designed for violins. In case your violin gets damaged, stolen, or destroyed due to a covered peril, this insurance may offer valuable financial help.
Who should consider purchasing violin insurance?
Anyone who owns a valuable violin should consider purchasing violin insurance. It’s worth protecting anything beyond a student violin, and often even student ones.
Professionals, teachers, students, and individuals might all benefit from the protection provided by a violin policy. Some examples of who typically purchases this insurance are:
- Professional violinists
- Private violin teachers
- Students at all levels
- Music schools and college programs
- Amateur violinists with high-value instruments
Insurance agents who specialize in violin policies can provide invaluable guidance in determining whether coverage is appropriate for a certain situation.
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Can violin policies cover more than just the instrument itself?
Violin policies may offer coverage for additional items related to the violin. Depending on the specifics of a policy’s terms, it might cover bows, cases, sheet music, music books, music stands and other related items.
Can violin policies insure other string instruments?
Our musical instrument policy covers violins as well as all types of musical equipments. Other string instruments, such as violas, cellos and basses, typically have insurance needs that are nearly identical to violins’ needs. A violin policy might be able to cover another string instrument well, although the specifics of a policy’s terms should be reviewed before assuming the policy will cover another type of string instrument.
Additionally, coverage is readily available for both acoustic and electric violins.
What types of risks do violin policies protect against?
Violin policies may offer protection against a broad range of risks that could lead to significant damage or total loss of an instrument. Policies may provide protection for incidents such as:
- Fire
- Earthquake
- Flood
- Smoke
- Water damage
- Accidental damage
Does homeowners insurance cover violins?
While homeowners insurance policies often provide some coverage for musical instruments, the limits tend to be fairly restrictive. A homeowners policy might only cover instruments up to a certain amount, which could be substantially less than the value of a quality violin.
A separate violin policy is usually the best way to secure insurance for any violin that's more valuable than a homeowners policy's musical instrument limit. Although homeowners policies might offer riders to increase coverage for instruments, adding coverage through a homeowners policy might provide less protection (e.g. not protect against accidental damage) and cost more. Violin policies are designed to provide robust protection at a cost-effective rate.
Do violin policies protect violins when they’re taken to performance/practice locations?
Most violin policies do extend coverage to when a violin is being transpired, such as being taken to/from a performance, rehearsal, class or lesson.
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.
Do violin policies protect violins when they're taken out of the country?
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 violin?
The cost of a violin policy varies based on several factors. The value of the violin is the most significant factor, but there are others that underwriters consider.
To get an accurate idea of the potential cost, request a custom quote for your specific violin.
Where can violinists get violin insurance?
If you need insurance for a violin, explore the violin insurance options offered by Insure My Equipment. You can review policies directly on our site, and even purchase a policy if you find the coverages meet your needs (and they likely will).
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