Comprehensive protection for all of your musical instruments, equipment, and accessories.
Musical Instruments & Equipment
Musical Instrument Insurance Policies for the Collector, the Professional Musician, and the Hobbyist
If you’re a collector of musical instruments, whether it’s a grand piano or a French horn, look no further than Collectibles Insurance Services to help protect your prized investment.
We have been helping protect collectibles for more than 50 years. Our years of experience enable us to provide superior protection for your musical instruments from a company that values your collection as much as you do.
Music Equipment Insurance for Dealers, Instrument Repairers, and Musical Instrument Makers
We don’t just insure musical instruments! We offer insurance for musical equipment and other music-related accessories (even sheet music). We also offer dealer policies for those that do more than just collect.
Collectibles Insurance Services: Insuring Fine Musical Instruments
Whether you’re treasuring a valuable Gibson, Yamaha, or Fender guitar, or you’re seeking protection for a Bechstein piano, we’re here to help! We have helped insure musical instrument collections of all sizes since 1966 (and stamps for nearly 50 years), so we know how much you value your collection. That’s why we provide equally valuable features in coverage.
Musical Instrument Insurance Comprehensive Coverage
- Accidental Breakage
- Flood (except in Zones A & V)
- Loss in the Mail
- Natural Disasters
- Other causes of loss, unless specifically excluded from the policy (see exclusions)
Music Instrument Insurance Coverage at Home and Away
- Travel – Transit coverage protects collectible personal property that is temporarily away from the scheduled location, subject to the policy sublimit.
- Exhibitions – If you’re at a scheduled exhibition, show, or display, coverage is provided for your collectibles up to the instrument insurance policy limit – including travel and shipping to and from the event.
- Storage Facilities – For an additional premium, we offer optional insurance coverage for fine musical instruments, equipment, and accessories kept in a public storage facility.
More Affordable Rates
We offer insurance policies with affordable coverage compared to other insurance policies! Typically, the cost for a specialized policy we offer is less than it would cost to schedule the same items under a homeowners insurance policy.
Less Paperwork and Red Tape
Unlike homeowners coverage, we do not require a schedule or appraisal for most items; however, you are responsible for maintaining your own inventory of your fine musical instruments and equipment for insurance purposes (in the event of loss). The only exceptions are individual items or sets valued over $25,000 apiece, which would have to be scheduled.
We’re Proven and Trusted
We offer insurance policies for musical instruments and equipment that are proven and trusted! We have been protecting collections like yours since 1966. And all coverage is provided by a carrier with a group rating of “A” (Excellent) by AM Best – the leading rating agency for the insurance industry.
Deductibles starting at $0
Deductibles start at $0 for collector policies. We provide coverage for the market value of your fine musical instruments and equipment for losses in excess of $50. All dealer policies have a $200 deductible.
Insurance that grows with your collectibles
Collections tend to grow, so your policy can be adjusted to include any musical instrument or equipment that you are adding to your collection.
You may select “Automatic Monthly Increase” as optional coverage to be added to your policy for new acquisitions and appreciation of your existing musical instrument collection. Selecting this coverage will apply an automatic monthly increase of 1% in coverage, up to a maximum of $1 million.
We provide coverage for dealers, too
If you want to protect your dealer inventory and your clients’ private collections, for which you are responsible, we also offer special Dealers Insurance.
Superior customer service
Our company was started by collectors, so it’s only natural that we pay attention to your interests and needs. And that our customer service would always be geared to the collector’s point of view.
Prompt and personal claim service
As experienced specialists in collectibles, our adjusters understand the value and importance of your collection of fine musical instruments and equipment. That’s why, should you have a claim, they make every effort to make sure it is settled as quickly and completely as possible.
CIS Insurance Company Brochure
Want to learn more about the services we offer? Check out our collector brochure and our dealer brochure.
Related Insurance Services
We don’t just help cover musical instruments and equipment! We help insure other collections of all kinds. The list of what we cover is longer than our list of what we don’t.
Get A Quote
Looking to buy musical instrument insurance? Getting a quote is fast and easy! If you’re interested in insuring fine musical instruments, equipment, and accessories, be sure to get a quote today.