I am borrowing an instrument from my school. Do I need instrument insurance?
Chances are the school does not have insurance for the instrument. You can go without insurance, but if anything happens to the instrument, YOU will have to pay for repairs or replacement.
I suggest contacting your homeowner’s insurance company. Tell them your child is traveling to Europe with their instrument. Ask them is if is covered with your policy. (Do not mention that it is a school instrument.)
If it is covered, you are set. They may ask for an estimate of the cost of the instrument. You could go online to any music website and find a similar instrument to get an estimate.
If it’s not covered, ask if they can add a rider policy to cover it for the trip. Riders are typically inexpensive.
If they do not have that option, you can get instrument insurance from a few companies:
Posted in: Traveling with Instruments
Follow the Tour
