This can be done on a homeowner's or renter's policy; however, basic homeowner's insurance will usually only cover loss in the case of a fire or theft, and will not cover damage. It is therefore important to ask for an all risks policy that will also cover any potential damage to the instrument. If the cost through your insurance agent is too high, or if they will not cover damage, your violin dealer can recommend companies that specialize in insuring musical instruments.

Your violinmaker should provide you with an insurance appraisal at the time of purchase. If one is not provided, ask for it. The insurance companies need to have verification of the value of the instrument in writing. For identification purposes, take several close-up pictures of your instrument. These will help in case of theft.

Insurance appraisals should be updated every few years depending on inflation and other factors.

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