Anderson Double Reed Signature Insurance Program

⚠️ Why Homeowner’s Insurance Isn’t Enough for Your Double Reed Instruments

• 💸 Coverage Limits: Most homeowner’s policies cap musical instrument coverage—especially for double reeds—at $2,000, particularly if you receive any “pay for play.” If your instrument is valued above this, consider the Anderson Signature Double Reed Insurance Program.
• 🚫 No Business Use: Instruments used in paid performances are often excluded. If a loss occurs while being paid to perform, your homeowner’s policy may not respond. Anderson covers casual, professional, and business use—no exceptions.
• 🌊 No Flood Coverage: Unless you carry a separate flood policy for personal property, your instruments are not protected. Our policy includes flood coverage for itemized instruments.
• 🌍 No Earthquake Coverage: Homeowner’s policies typically exclude earthquake damage—especially for musical instruments.
• 💥 Excluded Perils: Homeowner’s policies rarely cover falling, cracking, or breakage. Claims adjusters often assess value after a loss—and exclude damage from bumping, dropping, or impact. View our full Coverage Form.
• 🧾 Deductible Differences: Our Double Reed Signature policy offers a $100 “All Perils” deductible. Homeowner’s policies often carry deductibles of $1,000 or more.
• 📏 Valuation Matters: Anderson provides Stated Value coverage—you know exactly what your instrument is insured for. Homeowner’s policies typically settle claims on an Actual Cash Value basis (replacement cost minus depreciation). Many double reed instruments in top condition depreciate very little—this is a critical question to ask your agent. Don’t risk underinsuring your gear or reducing coverage for other essentials.