Anderson Signature Woodwind Insurance Program

🏠 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 woodwinds are 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 our 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.