If you are a musician who thinks that instrument insurance is either not worth having or that your instruments are already covered by your home insurance, then maybe it is about time you thought about it again.
For those of you who believe that this type of insurance is an unnecessary expense, consider what would happen if your instruments were stolen, or damaged in an accident.
 Would you be able to replace or repair them easily and cheaply?   You are likely to find that your instruments cost much more to replace or repair than you thought.
 If you rely on your instruments for income, you also need to think about how you will pay for a replacement that will allow you to get back to work as quickly as possible.
If you think that you are fully covered by your home insurance policy, be sure to check that this really is the case.
This is because: ·         Most home insurance policies have exclusions, such as not covering you outside the home or if you use the instrument to earn money; ·         Others may only cover instruments up to a certain value, or they only cover them for theft but not if they are damaged accidentally.
 The same applies if you take your instruments outside the house or studio - if they are stolen from your car, for example, then your car insurance may only cover them up to a certain value or even not cover them at all.
  Instrument insurance policies can often be fitted to your needs, from covering single low value instruments to high worth collections.
 The premiums will be calculated according to the value of the instruments, the cover required and the risk of them being damaged or stolen.
 To ensure you get the correct cover, speaking to a specialist who will be able to find an appropriate insurance policy could be well worth the time.
 They may be able to offer a wider range of more instrument insurance than the traditional providers who may attempt to cover all risks with a standard policy, perhaps resulting in you paying for cover that you don't need.