Protecting your Musical Passion since 1966

When collecting is your forte.

Musical Instrument Musical Instrument

Comprehensive protection for all of your musical instruments, equipment, and accessories.

Musical Instruments & Equipment Insurance

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
  • ​Burglary
  • Fire
  • Flood (except in Zones A & V)
  • Loss in the Mail
  • Natural Disasters
  • Theft
  • 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.

Inflation coverage

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.

Frequently Asked Questions

Will CIS provide insurance for my collection of musical instruments and equipment?

Yes, we offer comprehensive coverage for your musical instrument collection! We have experience insuring collectors of all kinds who appreciate the scope and special coverage.

Why should I choose CIS to provide musical instrument insurance for my treasured collection?

CIS is a company founded by collectors, so we understand that your musical instrument collection is often more of an emotional investment than a financial one and that these collections are worth far more to its owner than money alone. As experts in collectibles insurance, we have been protecting valued collections of musical instruments and more since 1966—offering not just coverage, but the kind of peace of mind that standard homeowners coverage simply cannot provide. Here’s just a few reasons why you should choose CIS to provide insurance for your valuable collectibles:

  • Proven and Trusted – Protecting collectors since 1966, 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.
  • Coverage at Home and Away – We provide insurance at any scheduled location in the United States. But, that’s not all. We provide transit coverage, which protects collectible property that is temporarily away from the scheduled location (subject to policy sublimit). If you’re at a scheduled exhibition, show, or display, coverage is provided for your collectibles up to the policy limit—including travel and shipping to and from the event. We also provide optional coverage for collectibles kept in a public storage facility (up to $100,000).
  • Comprehensive Coverage  Musical instrument insurance coverage includes, but is not limited to, accidental breakage, burglary, fire, flood (except in zones A & V), loss in the mail, theft, natural disasters, and other causes of loss unless specifically excluded from the insurance policy.
  • More Affordable Rates – Typically, you will pay less than it would cost to schedule the same musical instruments under your homeowners policy. Deductibles start at $0 for collector policies, and we provide coverage for the market value of your collectibles for losses in excess of $50.
  • Less Paperwork and Red Tape – Unlike homeowners coverage, a schedule or appraisal is not required for most items; however, you are responsible for maintaining your own inventory for insurance purposes (in the event of loss). Individual items or sets valued at $25,000 or more must be scheduled.
  • It’s Fast and Easy – Get a quote online or call our expert CIS team at 888-837-9537 (8:30 am – 5:00 pm (EST), Monday – Friday).
Why doesn’t my homeowners insurance policy cover my collectibles?

Our company was created by an avid stamp collector who realized that ordinary homeowners coverage simply couldn’t provide the coverage his rare treasures demanded. For everyday, easily replaced personal property, homeowners coverage is all most people need. But for prized possessions you may have spent a lifetime collecting, it doesn’t go nearly far enough. That’s why we offer a group of benefits that the less specialized insurance carrier doesn’t often provide. For example:

  • Homeowners coverage is typically based on the actual cash value of your collectibles—not their current market value or replacement value.
  • Homeowners can limit coverage of all the contents in your home to a percentage of your home’s total value (usually between 50% and 70%).
  • It may not cover losses caused by floods, hurricanes, or earthquakes.
  • Homeowners may have limited or no coverage for valuables like silver, guns, stamps, and other collectible items.
  • You may be required to appraise and schedule all items individually. And new items must be reported and scheduled within 30 to 90 days of acquisition.
What does CIS insure?

Like most collectors, we’re specialists. Providing collectible insurance is all we do. So we’re able to passionately focus on servicing the needs of collectors like you. Generally, if you can collect it, we can insure it. (The list of what we provide coverage for is a lot longer than what we don’t.) Some of the most popular categories we cover include musical instrument insurance; musical equipment and accessories; comics; guns, knives, and accessories; sports cards and memorabilia; stamps; and toys.

What doesn’t CIS insure?

The following are excluded: Government seizure or destruction of property; war and nuclear hazards; gradual deterioration such as fading, creasing or denting; nesting, infestation or discharge or release of waste products or secretions by insects, rodents or other animals; dampness or dryness of atmosphere; changes in or extremes of temperature other than fire; fraudulent, dishonest or criminal acts; voluntary parting with covered property; loss or damage while being worked on by you or others working on your behalf; and mysterious disappearance. This is not a complete list of exclusions and exclusions can vary by policy.