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.