Anderson Signature Piano Insurance
Piano Insurance Program by Anderson
Based in Venice, Florida (USA), Anderson Musical Instrument Insurance Solutions, LLC has been trusted by musicians, collectors, dealers, and symphony orchestras worldwide since 1991. We specialize exclusively in insuring musical instruments, equipment, and accessories—offering tailored coverage, competitive rates, and exceptional service.
Our Musician Association Instrument Insurance Program is endorsed by leading associations and includes exclusive member benefits. Whether you're at home or on the road, your instruments are protected under our custom-crafted “All Risk, Stated Value” Signature Coverage Form.
🎼 Comprehensive Musical Instrument Insurance
Our Signature Program covers a wide range of instruments globally, 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 more.
Ready to protect your instruments with confidence? Get a quote today.
Coverage Highlights
🎹 Piano Insurance Coverage Highlights
- 📊 Base Rate: $0.39 per $100 USD covers pianos of all types and values
Discounts may apply for schedules over $50,000 and larger collections—subject to underwriting review - 💵 Minimum Premium: $175 USD annually
Includes a $25 policy fee
Covers up to $38,610 USD in insured value for most instruments and accessories - 🌍 Worldwide Protection: “All Risk, Stated Value” coverage included at no extra cost
- 📉 Diminished Value: Coverage for loss in market value after damage included
- 📄 Appraisals: Required only when necessary
Existing appraisals are welcome and securely added to your file - 🎭 Professional Use: Coverage for professional musicians included
- 🎙️ “Pay for Play”: Coverage for compensated performances included
- 🌪️ Natural Disaster Protection: Flood and earthquake coverage included
- 🎛️ Software Coverage: Audio, video, VST/VSTi plugins, and virtual instruments may be covered up to actual loss sustained
Available for an additional premium
Homeowners Insurance is NOT the solution!
🏠 Why Anderson Coverage Outperforms Homeowner’s Policies
- 🚫 Coverage Limits: Most homeowner’s policies cap musical instrument coverage at ~$2,000—especially if you receive any “pay for play” income.If your instrument 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.
- 💥 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 policy form in the Anderson Group Musical Instruments Coverage Form.
- 📌 Stated Value vs. Actual Cash Value: Anderson insures your instruments 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 musical instruments 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.
Important Additional Information
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