Frequently Asked Questions


1. What happens if I lend someone my instrument and it is lost or stolen?
If you loan your instrument to anyone other than a family member, there must be a verbal or written agreement that indicates the borrower will maintain responsibility if anything happens to your instrument. You are the only person who can make a claim under your policy.

2. How do I make a claim?
Contact us at 1-800-665-8890 or click here for more information.

3. How do I get an appraisal?
Many musical instrument stores are run by professionals who offer appraisal services. If you own a string instrument it must be appraised by a Luthier. Wind or Brass instruments may be appraised by music professionals who sell or repair those instruments.

A receipt for a newly purchased instrument is not sufficient for your application. Your instrument must be appraised by a professional.

4. What does ‘replacement cost’ mean?
Replacement cost refers to the cost of repairing or replacing a damaged instrument, whichever is the least.

5. Is my instrument covered anywhere in the world?
If your instrument is damaged or stolen anywhere in the world, we will reimburse you for the cost of replacement up to the cost listed in your plan.

6. Who should be listed as the applicant?
The owner of the musical instrument should always be listed as the applicant.

7. What will my deductible be?
Your deductible will be $500.00 unless you choose a $1,000 deductible for a lower premium. There is a deductible equal to 25% of the insured value of an instrument on losses involving theft from an unattended motor vehicle.

8. What is covered under liability?
The liability insurance in our program covers bodily injury, property damage, personal injury and medical payments. For a complete list of liability coverage, please see your policy.