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Keeping Nashville Covered - Musical Instruments & Your Home Insurance

  Photo courtesy of Matt Davis                 
Keeping Nashville Covered – Musical Instruments & Your Home Insurance
If you lived in Nashville five years ago on May 1, 2010, you faced The Flood.  The 2010 flood affected thousands of people in and around Nashville, causing extensive and devastating damage, costing lives and millions of dollars in losses.  Being Music City, USA, numerous instruments, venues and musicians were deeply affected.
Post 3 – Covering Instruments
As a proud resident of Nashville, you likely own an instrument or ten that you play and cherish.  Whether you jam in a condo in The Gulch or are a porch-picker in Williamson County, your instruments are important and valuable.  And, as lots of musicians discovered in May of 2010, your instrument isn’t automatically fully insured by your homeowner’s insurance.
Maybe your property wasn’t covered for flood damage.  Or maybe your instruments were worth more than the insurance company’s limits.  Maybe you didn’t know they were only covered within your home or if you are an amateur musician.   Now you know what wasn’t covered, and maybe even know why.  But what can you do about protecting your instruments going forward?
Musical instruments such as guitars, violins, pianos, and even drums can be individually ... more

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