Guitar Insurance Program by Anderson
("Butterscotch" featured image by Ken Parker Guitars, with permission)
🎶 Global Coverage for Guitars
Anderson Musical Instrument Insurance Solutions, LLC is your trusted partner for insuring flutes—whether you're performing, teaching, touring, or recording—anywhere in the world.
Located in Venice, Florida (USA), Anderson has insured symphony orchestras, musician associations, collectors, dealers, and individual musicians worldwide since 1991. Our sole focus is musical instrument insurance—crafted with precision, empathy, and care.
- ✅ Comprehensive “All Risk, Stated Value” coverage
- âś… Competitive rates with global protection
- âś… Responsive, musician-savvy service
🎼 Instruments We Cover
Our Signature Insurance Program spans a wide range of instruments on a global scale, including Accordion, Bagpipe, Cello, Clarinet, Double Reed, French Horn, Flute, Guitar, Harp, Mandolin, Percussion, Piano, Saxophone, String Bass, Trumpet, Tuba & Euphonium, Viola, Violin, Woodwind—and everything in between.
🎯 Ready to protect your guitar with confidence? Get a quote today and experience the Anderson difference.
Coverage Highlights
🎸 Guitar & General Instrument Coverage Overview
- đź“Š Base Rate: $0.64 per $100 USD covers guitars and most other instruments
(Higher rates apply to string basses and harps. Discounts may be available for schedules over $50,000, subject to underwriting review.) - đź’µ Minimum Premium: $175 USD annually
Includes a $25 policy fee
Covers up to $23,438 USD in insured value for most instruments and accessories - 🌍 Worldwide Coverage: “All Risk, Stated Value” protection included at no extra cost
- 📉 Diminished Value: Coverage for loss in market value after damage—no extra cost
- đź“„ Appraisals: Required only when necessary
Existing appraisals are welcome and securely attached to your file - 🎠Professional Use: Coverage for professional musicians included
- 🎙️ “Pay for Play”: Coverage for compensated performances included
- 🌊 Flood & Earthquake: Covered at no additional cost
- 🎯 Performance Interruption: Included up to $600 per actual loss sustained
(Higher limits available upon request) - đź“· Photo & Video Equipment: May be added for an additional premium
- 🎛️ Software Coverage: Audio, video, VST/VSTi plugins, and virtual instruments may be covered up to actual loss sustained for an additional premium
Homeowners Insurance is NOT the Solution
🏠Why Anderson Coverage Outperforms Homeowner’s Policies for Guitars
- 🚫 Coverage Limits: Most homeowner’s policies cap musical instrument coverage at ~$2,000—especially if you receive any “pay for play” income
If your guitar is valued above this, consider the Anderson Signature Insurance Program. - ⚠️ Business Use Exclusion: Instruments used in paid performances are often excluded
Anderson covers casual, professional, and business use—no exceptions. - 🌊 No Flood Coverage: Unless you carry a separate flood policy, homeowner’s insurance won’t cover flood damage
Anderson includes flood coverage for itemized instruments. - 🌎 No Earthquake Coverage: Most homeowner’s policies exclude earthquake damage—especially to instruments
Anderson includes it. - đź’Ą Missing Perils: Falling, cracking, bumping, and dropping are typically not covered
Homeowner’s adjusters often assess value only after a claim—when it’s too late
Anderson covers these perils upfront.
View the full Anderson Group Musical Instruments Coverage Form - 📌 Stated Value vs. Actual Cash Value: Anderson insures your guitars for their full itemized value—not depreciated cash value
Most homeowner’s policies settle claims on Actual Cash Value (replacement cost minus depreciation) - 🧾 Appreciation Risk: Many guitars appreciate over time
Ask your homeowner’s agent for written confirmation before relying on their coverage
You never want to discover a coverage gap at claim time.
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