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Many musicians believe their homeowner's insurance policy provides adequate coverage for their instruments but instrument insurance often has a lower deductible and covers greater risks to the instrument than a typical homeowner's policy. This specific type of insurance covers common accidents that result in direct loss or damage to the piece, such as dropping or sitting on the instrument, loss due to theft and damage resulting in normal usage. Your instrument can also be insured on overseas trips to protect against theft and damages incurred while traveling. For a musician, there is no piece of equipment more important than the instrument.

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