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Generated by ClassySchema.org on Thu, 05 Nov 2020 17:58:15 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"http://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"Music Instrument Insurance | Musical Instrument Insurance | Best Musical Instrument Insurance\",\n\t\"description\": \"Get a quote: https://musicians.frontrowinsurance.com/ Front Row provides fast affordable musical instrument insurance for music professionals who are Canadia...\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/bSVwmNaqwf0/mqdefault.jpg\",\n\t\"duration\": \"PT28S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=bSVwmNaqwf0\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/bSVwmNaqwf0\",\n\t\"uploadDate\": \"2020-01-23\"\n}\n</script>\n<!-- END - Generated by ClassySchema.org-->","header":null,"htmlTitle":"Music Instrument Insurance: You May not be Covered under Homeowners","id":4105411987,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isDraft":false,"isInstantEmailEnabled":true,"isPublished":true,"isSocialPublishingEnabled":false,"keywords":[],"label":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >Music Instrument Insurance: You May not be Covered under Homeowners</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":null,"legacyId":null,"legacyPostGuid":null,"linkRelCanonicalUrl":"","listTemplate":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","mab":false,"mabExperimentId":null,"mabMaster":false,"mabVariant":false,"meta":{"meta_description":"Musical Instrument Insurance: SOCAN Members receive $10 off online instrument insurance & $10 will be donated to the SOCAN Foundation. Insure instrument.","author_username":"nedia@frontrowinsurance.com","blog_publish_instant_email_task_uid":"DONE","use_featured_image":false,"topic_ids":[949436814],"last_edit_update_id":null,"author_user_id":4012692,"rss_summary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","last_edit_session_id":null,"keywords":[],"campaign_name":null,"featured_image":"","post_summary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","has_user_changes":true,"html_title":"Music Instrument Insurance: You May not be Covered under Homeowners","post_body":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>You arrive back at your van to find the window smashed and your instruments missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned.</p>\n<p>The claims adjuster does a &nbsp;web search and sees that you have played some small gigs. Because you occasionally perform for money, your gear is now considered <strong>commercial</strong> equipment and as such, <strong>not</strong> covered by your homeowner’s insurance policy, which is intended to cover “personal” musical gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only played twice in the last 12 months and made less than $300 for the performances.</p>\n<p>The adjuster shrugs, “It doesn’t matter, even if you busk 10 minutes for $10, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p>This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional musicians assume they are covered by their homeowners insurance policy when in fact they are not.</p>\n<p>If you perform for money, check your policy and make sure your coverage is appropriate. At Front Row, we have created a 5-minute online insurance solution.</p>\n<h2>Available to SOCAN members at: <a href=\"https://musicians.frontrowinsurance.com/\" style=\"font-weight: normal;\">musicians.frontrowinsurance.com</a></h2>\n<p>The policy term is for <strong>12 months</strong> and coverage is provided throughout Canada and the USA.</p>\n<p>All equipment is covered for <a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">replacement cost</a> for theft, damage, fire and loss of use. The online link ensures industry-low prices:</p>\n<ul>\n<li>$10,000 equipment coverage: $100</li>\n<li>$1,000,000 location liability coverage: $75; $2,000,000: $100. Liability covers property damage and bodily injury to third parties. Pays legal fees too.</li>\n<li>$500 deductible for gear</li>\n</ul>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for musicians,\" said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row, \"Given that an insurance company underwriter is not involved, the cost to process an instrument insurance policy is much less online and we have passed the savings onto the musician. Although the instrument policy is online, we are still available to answer questions by email or over the phone if required.\"</p>\n<p><strong>SEE ALSO</strong>: <a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">MUSICAL GEAR : INSURANCE AND PROTECTION WHILE ON TOUR</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/photographers-you-may-not-be-covered-by-your-homeowners-insurance-if-you-have-been-paid\" rel=\"noopener\">PHOTOGRAPHERS AND HOMEOWNERS INSURANCE</a></p>\n<h3>Related:</h3>\n<p><a href=\"/musical-instrument-insurance-101\" rel=\" noopener\">Musical Instrument Insurance 101: How to Protect Your Instruments</a><br><a href=\"/articles/musical-instrument-theft-prevention-what-you-need-to-know\" rel=\" noopener\">Tips &amp; tricks to guard your gear </a><br><a href=\"/instrument-insurance-blog/bid/205377/protecting-musical-instruments-at-home-insurance-and-more\" rel=\" noopener\">Protecting instruments at home</a><br><a href=\"/instrument-insurance-blog/bid/205279/6-ways-to-protect-your-instruments-at-airports-and-on-planes\" rel=\" noopener\">Protecting instruments at airports </a><br><a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">Protecting instruments on tour</a><br><a href=\"/articles/summer-and-tours-what-you-need-to-know-about-musical-tour-insurance\" rel=\" noopener\">Musical tour insurance </a><br><a href=\"/articles/band-on-the-run-touring-insurance-tips-for-taking-your-show-on-the-road\" rel=\" noopener\">Band on the run </a><br><a href=\"/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance\" rel=\" noopener\">Tribute bands and liability </a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-guitar\" rel=\" noopener\">Protecting your guitar</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-drums\" rel=\" noopener\">Protecting your drums</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-keyboard\" rel=\" noopener\">Protecting your keyboard</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-violin\" rel=\" noopener\">Protecting your violin</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-saxophone\" rel=\" noopener\">Protecting your saxophone</a><br><a href=\"/instrument-insurance-blog/bid/118532/stolen-musical-instruments-how-to-make-a-claim\" rel=\" noopener\">How to make a claim</a><br><a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">What is my gear worth in event of claim?</a><br>You may not be covered under homeowners<br><a href=\"/instrument-insurance-blog/bid/118744/front-row-instrument-policy-launches-on-line\" rel=\" noopener\">Front Row’s musical instrument policy </a><br><a href=\"/instrument-insurance-blog/bid/117160/instrument-insurance-for-socan-members\" rel=\" noopener\">Insurance for SOCAN members </a><br><a href=\"/instrument-insurance-blog/bid/146779/musical-instrument-insurance-companies-how-to-compare\" rel=\" noopener\">How to compare musical instrument insurance cos.</a><br><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\" noopener\">Blurring the lines of music infringement law</a></p></span>","publish_immediately":true,"author_email":"nedia@frontrowinsurance.com","rss_body":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>You arrive back at your van to find the window smashed and your instruments missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned.</p>\n<p>The claims adjuster does a &nbsp;web search and sees that you have played some small gigs. Because you occasionally perform for money, your gear is now considered <strong>commercial</strong> equipment and as such, <strong>not</strong> covered by your homeowner’s insurance policy, which is intended to cover “personal” musical gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only played twice in the last 12 months and made less than $300 for the performances.</p>\n<p>The adjuster shrugs, “It doesn’t matter, even if you busk 10 minutes for $10, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p>This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional musicians assume they are covered by their homeowners insurance policy when in fact they are not.</p>\n<p>If you perform for money, check your policy and make sure your coverage is appropriate. At Front Row, we have created a 5-minute online insurance solution.</p>\n<h2>Available to SOCAN members at: <a href=\"https://musicians.frontrowinsurance.com/\" style=\"font-weight: normal;\">musicians.frontrowinsurance.com</a></h2>\n<p>The policy term is for <strong>12 months</strong> and coverage is provided throughout Canada and the USA.</p>\n<p>All equipment is covered for <a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">replacement cost</a> for theft, damage, fire and loss of use. The online link ensures industry-low prices:</p>\n<ul>\n<li>$10,000 equipment coverage: $100</li>\n<li>$1,000,000 location liability coverage: $75; $2,000,000: $100. Liability covers property damage and bodily injury to third parties. Pays legal fees too.</li>\n<li>$500 deductible for gear</li>\n</ul>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for musicians,\" said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row, \"Given that an insurance company underwriter is not involved, the cost to process an instrument insurance policy is much less online and we have passed the savings onto the musician. Although the instrument policy is online, we are still available to answer questions by email or over the phone if required.\"</p>\n<p><strong>SEE ALSO</strong>: <a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">MUSICAL GEAR : INSURANCE AND PROTECTION WHILE ON TOUR</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/photographers-you-may-not-be-covered-by-your-homeowners-insurance-if-you-have-been-paid\" rel=\"noopener\">PHOTOGRAPHERS AND HOMEOWNERS INSURANCE</a></p>\n<h3>Related:</h3>\n<p><a href=\"/musical-instrument-insurance-101\" rel=\" noopener\">Musical Instrument Insurance 101: How to Protect Your Instruments</a><br><a href=\"/articles/musical-instrument-theft-prevention-what-you-need-to-know\" rel=\" noopener\">Tips &amp; tricks to guard your gear </a><br><a href=\"/instrument-insurance-blog/bid/205377/protecting-musical-instruments-at-home-insurance-and-more\" rel=\" noopener\">Protecting instruments at home</a><br><a href=\"/instrument-insurance-blog/bid/205279/6-ways-to-protect-your-instruments-at-airports-and-on-planes\" rel=\" noopener\">Protecting instruments at airports </a><br><a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">Protecting instruments on tour</a><br><a href=\"/articles/summer-and-tours-what-you-need-to-know-about-musical-tour-insurance\" rel=\" noopener\">Musical tour insurance </a><br><a href=\"/articles/band-on-the-run-touring-insurance-tips-for-taking-your-show-on-the-road\" rel=\" noopener\">Band on the run </a><br><a href=\"/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance\" rel=\" noopener\">Tribute bands and liability </a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-guitar\" rel=\" noopener\">Protecting your guitar</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-drums\" rel=\" noopener\">Protecting your drums</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-keyboard\" rel=\" noopener\">Protecting your keyboard</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-violin\" rel=\" noopener\">Protecting your violin</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-saxophone\" rel=\" noopener\">Protecting your saxophone</a><br><a href=\"/instrument-insurance-blog/bid/118532/stolen-musical-instruments-how-to-make-a-claim\" rel=\" noopener\">How to make a claim</a><br><a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">What is my gear worth in event of claim?</a><br>You may not be covered under homeowners<br><a href=\"/instrument-insurance-blog/bid/118744/front-row-instrument-policy-launches-on-line\" rel=\" noopener\">Front Row’s musical instrument policy </a><br><a href=\"/instrument-insurance-blog/bid/117160/instrument-insurance-for-socan-members\" rel=\" noopener\">Insurance for SOCAN members </a><br><a href=\"/instrument-insurance-blog/bid/146779/musical-instrument-insurance-companies-how-to-compare\" rel=\" noopener\">How to compare musical instrument insurance cos.</a><br><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\" noopener\">Blurring the lines of music infringement law</a></p>","placement_guids":[],"campaign_utm":null,"featured_image_alt_text":"","css":{},"enable_google_amp_output_override":false,"css_text":"","tag_ids":[949436814],"link_rel_canonical_url":"","published_by_id":7915797,"published_at":1649436419607,"blog_publish_to_social_media_task":"DONE_NOT_SENT","layout_sections":{},"head_html":"<!-- START - Generated by ClassySchema.org on Thu, 05 Nov 2020 17:58:15 GMT -->\n<script type=\"application/ld+json\">\n{\n\t\"@context\": \"http://schema.org\",\n\t\"@type\": \"VideoObject\",\n\t\"name\": \"Music Instrument Insurance | Musical Instrument Insurance | Best Musical Instrument Insurance\",\n\t\"description\": \"Get a quote: https://musicians.frontrowinsurance.com/ Front Row provides fast affordable musical instrument insurance for music professionals who are Canadia...\",\n\t\"thumbnailUrl\": \"https://i.ytimg.com/vi/bSVwmNaqwf0/mqdefault.jpg\",\n\t\"duration\": \"PT28S\",\n\t\"contentUrl\": \"https://www.youtube.com/watch?v=bSVwmNaqwf0\",\n\t\"embedUrl\": \"https://www.youtube.com/embed/bSVwmNaqwf0\",\n\t\"uploadDate\": \"2020-01-23\"\n}\n</script>\n<!-- END - Generated by ClassySchema.org-->","blog_post_schedule_task_uid":null,"scheduled_update_date":0,"header":null},"metaDescription":"Musical Instrument Insurance: SOCAN Members receive $10 off online instrument insurance & $10 will be donated to the SOCAN Foundation. Insure instrument.","metaKeywords":null,"name":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >Music Instrument Insurance: You May not be Covered under Homeowners</span>","nextPostFeaturedImage":"","nextPostFeaturedImageAltText":"","nextPostName":"Filmmakers: You May NOT be Covered under Homeowners Insurance","nextPostSlug":"articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally","pageExpiryDate":null,"pageExpiryEnabled":null,"pageExpiryRedirectId":null,"pageExpiryRedirectUrl":null,"pageRedirected":false,"pageTitle":"Music Instrument Insurance: You May not be Covered under Homeowners","parentBlog":{"absoluteUrl":"https://www.frontrowinsurance.com/articles","allowComments":true,"ampBodyColor":"#404040","ampBodyFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampBodyFontSize":"18","ampCustomCss":"","ampHeaderBackgroundColor":"#ffffff","ampHeaderColor":"#1e1e1e","ampHeaderFont":"'Helvetica Neue', Helvetica, Arial, sans-serif","ampHeaderFontSize":"36","ampLinkColor":"#416bb3","ampLogoAlt":"Front Row Insurance logo","ampLogoHeight":63,"ampLogoSrc":"https://cdn2.hubspot.net/hubfs/61352/front-row-logo.png","ampLogoWidth":175,"analyticsPageId":137640,"attachedStylesheets":[],"audienceAccess":"PUBLIC","businessUnitId":null,"captchaAfterDays":7,"captchaAlways":false,"categoryId":3,"cdnPurgeEmbargoTime":null,"closeCommentsOlder":0,"commentDateFormat":"medium","commentFormGuid":"7a447743-bbf2-4b55-a759-b405bf392a7d","commentMaxThreadDepth":3,"commentModeration":true,"commentNotificationEmails":["mike@frontrowinsurance.com","grant@frontrowinsurance.com"],"commentShouldCreateContact":true,"commentVerificationText":"","cosObjectType":"BLOG","created":1401900293000,"createdDateTime":1401900293000,"dailyNotificationEmailId":"952268096","dateFormattingLanguage":"en_US","defaultGroupStyleId":"","defaultNotificationFromName":"","defaultNotificationReplyTo":"","deletedAt":0,"description":"The Front Row Insurance Blog where you can learn and converse about all things entertainment insurance related.","domain":"","domainWhenPublished":"www.frontrowinsurance.com","emailApiSubscriptionId":283237,"enableGoogleAmpOutput":true,"enableSocialAutoPublishing":false,"generateJsonLdEnabled":false,"header":null,"htmlFooter":"<!-- DELTA-->","htmlFooterIsShared":false,"htmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/musical-instrument-insurance-you-may-not-be-covered\"\n },\n \"headline\": \"Music Instrument Insurance: You May not be Covered under Homeowners\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"\"\n },\n \"datePublished\": \"2016-05-03 19:49:30\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Musical Instrument Insurance: SOCAN Members receive $10 off online instrument insurance & $10 will be donated to the SOCAN Foundation. Insure instrument.\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","htmlHeadIsShared":true,"htmlKeywords":["Front Row Insurance Blog"," entertainment blog"," film blog"," film insurance"," event insurance"," film festival blog"," production blog"," musicians blog"," "],"htmlTitle":"The Front Row View (entertainment insurance blog)","id":952267656,"instantNotificationEmailId":"952268061","itemLayoutId":null,"itemTemplateIsShared":false,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","label":"The Front Row View (entertainment insurance blog)","language":"en","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","legacyModuleId":"164112","legacyTabId":137640,"listingLayoutId":null,"listingPageId":70026589976,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","monthFilterFormat":"MMMM yyyy","monthlyNotificationEmailId":"952267981","name":"The Front Row View (entertainment insurance blog)","parentBlogUpdateTaskId":null,"portalId":61352,"postHtmlFooter":"<!-- OMEGA-->","postHtmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/musical-instrument-insurance-you-may-not-be-covered\"\n },\n \"headline\": \"Music Instrument Insurance: You May not be Covered under Homeowners\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"\"\n },\n \"datePublished\": \"2016-05-03 19:49:30\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Musical Instrument Insurance: SOCAN Members receive $10 off online instrument insurance & $10 will be donated to the SOCAN Foundation. Insure instrument.\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","postsPerListingPage":10,"postsPerRssFeed":10,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publicTitle":"The Front Row View (entertainment insurance blog)","publishDateFormat":"medium","resolvedDomain":"www.frontrowinsurance.com","rootUrl":"https://www.frontrowinsurance.com/articles","rssCustomFeed":"","rssDescription":"RSS feeds for ","rssItemFooter":"<IMG style=\"WIDTH: 144px; HEIGHT: 78px\" title=\"\" border=0 alt=\"\" align=center src=\"http://focusinsurance.web6.hubspot.com/Portals/61352/images//logo_final.jpg\" width=138 height=78 mce_src=\"/Portals/61352/images//logo_final.jpg\">","rssItemHeader":"","settingsOverrides":{"itemLayoutId":false,"itemTemplatePath":false,"itemTemplateIsShared":false,"listingLayoutId":false,"listingTemplatePath":false,"postsPerListingPage":false,"showSummaryInListing":false,"useFeaturedImageInSummary":false,"htmlHead":false,"postHtmlHead":false,"htmlHeadIsShared":false,"htmlFooter":false,"listingPageHtmlFooter":false,"postHtmlFooter":false,"htmlFooterIsShared":false,"attachedStylesheets":false,"postsPerRssFeed":false,"showSummaryInRss":false,"showSummaryInEmails":false,"showSummariesInEmails":false,"allowComments":false,"commentShouldCreateContact":false,"commentModeration":false,"closeCommentsOlder":false,"commentNotificationEmails":false,"commentMaxThreadDepth":false,"commentVerificationText":false,"socialAccountTwitter":false,"showSocialLinkTwitter":false,"showSocialLinkLinkedin":false,"showSocialLinkFacebook":false,"enableGoogleAmpOutput":false,"ampLogoSrc":false,"ampLogoHeight":false,"ampLogoWidth":false,"ampLogoAlt":false,"ampHeaderFont":false,"ampHeaderFontSize":false,"ampHeaderColor":false,"ampHeaderBackgroundColor":false,"ampBodyFont":false,"ampBodyFontSize":false,"ampBodyColor":false,"ampLinkColor":false,"generateJsonLdEnabled":false},"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"showSocialLinkTwitter":true,"showSummaryInEmails":true,"showSummaryInListing":false,"showSummaryInRss":true,"siteId":0,"slug":"articles","socialAccountTwitter":"","state":null,"subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionEmailType":null,"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionListsByType":{"daily":12,"instant":11,"monthly":10,"weekly":13},"title":null,"translatedFromId":null,"translations":{"fr":{"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue","id":2471031463,"language":"fr","masterId":952267656,"name":"The Front Row View (entertainment insurance blog)","publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1650089754719,"updatedDateTime":1650089754719,"urlBase":"www.frontrowinsurance.com/articles","urlSegments":{},"useFeaturedImageInSummary":true,"usesDefaultTemplate":false,"weeklyNotificationEmailId":"952268106"},"password":null,"pastMabExperimentIds":[],"performableGuid":null,"performableVariationLetter":null,"personas":[],"placementGuids":[],"portableKey":null,"portalId":61352,"position":null,"postBody":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>You arrive back at your van to find the window smashed and your instruments missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned.</p>\n<p>The claims adjuster does a &nbsp;web search and sees that you have played some small gigs. Because you occasionally perform for money, your gear is now considered <strong>commercial</strong> equipment and as such, <strong>not</strong> covered by your homeowner’s insurance policy, which is intended to cover “personal” musical gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only played twice in the last 12 months and made less than $300 for the performances.</p>\n<p>The adjuster shrugs, “It doesn’t matter, even if you busk 10 minutes for $10, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p>This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional musicians assume they are covered by their homeowners insurance policy when in fact they are not.</p>\n<p>If you perform for money, check your policy and make sure your coverage is appropriate. At Front Row, we have created a 5-minute online insurance solution.</p>\n<h2>Available to SOCAN members at: <a href=\"https://musicians.frontrowinsurance.com/\" style=\"font-weight: normal;\">musicians.frontrowinsurance.com</a></h2>\n<p>The policy term is for <strong>12 months</strong> and coverage is provided throughout Canada and the USA.</p>\n<p>All equipment is covered for <a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">replacement cost</a> for theft, damage, fire and loss of use. The online link ensures industry-low prices:</p>\n<ul>\n<li>$10,000 equipment coverage: $100</li>\n<li>$1,000,000 location liability coverage: $75; $2,000,000: $100. Liability covers property damage and bodily injury to third parties. Pays legal fees too.</li>\n<li>$500 deductible for gear</li>\n</ul>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for musicians,\" said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row, \"Given that an insurance company underwriter is not involved, the cost to process an instrument insurance policy is much less online and we have passed the savings onto the musician. Although the instrument policy is online, we are still available to answer questions by email or over the phone if required.\"</p>\n<p><strong>SEE ALSO</strong>: <a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">MUSICAL GEAR : INSURANCE AND PROTECTION WHILE ON TOUR</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/photographers-you-may-not-be-covered-by-your-homeowners-insurance-if-you-have-been-paid\" rel=\"noopener\">PHOTOGRAPHERS AND HOMEOWNERS INSURANCE</a></p>\n<h3>Related:</h3>\n<p><a href=\"/musical-instrument-insurance-101\" rel=\" noopener\">Musical Instrument Insurance 101: How to Protect Your Instruments</a><br><a href=\"/articles/musical-instrument-theft-prevention-what-you-need-to-know\" rel=\" noopener\">Tips &amp; tricks to guard your gear </a><br><a href=\"/instrument-insurance-blog/bid/205377/protecting-musical-instruments-at-home-insurance-and-more\" rel=\" noopener\">Protecting instruments at home</a><br><a href=\"/instrument-insurance-blog/bid/205279/6-ways-to-protect-your-instruments-at-airports-and-on-planes\" rel=\" noopener\">Protecting instruments at airports </a><br><a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">Protecting instruments on tour</a><br><a href=\"/articles/summer-and-tours-what-you-need-to-know-about-musical-tour-insurance\" rel=\" noopener\">Musical tour insurance </a><br><a href=\"/articles/band-on-the-run-touring-insurance-tips-for-taking-your-show-on-the-road\" rel=\" noopener\">Band on the run </a><br><a href=\"/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance\" rel=\" noopener\">Tribute bands and liability </a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-guitar\" rel=\" noopener\">Protecting your guitar</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-drums\" rel=\" noopener\">Protecting your drums</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-keyboard\" rel=\" noopener\">Protecting your keyboard</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-violin\" rel=\" noopener\">Protecting your violin</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-saxophone\" rel=\" noopener\">Protecting your saxophone</a><br><a href=\"/instrument-insurance-blog/bid/118532/stolen-musical-instruments-how-to-make-a-claim\" rel=\" noopener\">How to make a claim</a><br><a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">What is my gear worth in event of claim?</a><br>You may not be covered under homeowners<br><a href=\"/instrument-insurance-blog/bid/118744/front-row-instrument-policy-launches-on-line\" rel=\" noopener\">Front Row’s musical instrument policy </a><br><a href=\"/instrument-insurance-blog/bid/117160/instrument-insurance-for-socan-members\" rel=\" noopener\">Insurance for SOCAN members </a><br><a href=\"/instrument-insurance-blog/bid/146779/musical-instrument-insurance-companies-how-to-compare\" rel=\" noopener\">How to compare musical instrument insurance cos.</a><br><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\" noopener\">Blurring the lines of music infringement law</a></p></span>","postBodyRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>You arrive back at your van to find the window smashed and your instruments missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned.</p>\n<p>The claims adjuster does a &nbsp;web search and sees that you have played some small gigs. Because you occasionally perform for money, your gear is now considered <strong>commercial</strong> equipment and as such, <strong>not</strong> covered by your homeowner’s insurance policy, which is intended to cover “personal” musical gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only played twice in the last 12 months and made less than $300 for the performances.</p>\n<p>The adjuster shrugs, “It doesn’t matter, even if you busk 10 minutes for $10, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p>This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional musicians assume they are covered by their homeowners insurance policy when in fact they are not.</p>\n<p>If you perform for money, check your policy and make sure your coverage is appropriate. At Front Row, we have created a 5-minute online insurance solution.</p>\n<h2>Available to SOCAN members at: <a href=\"https://musicians.frontrowinsurance.com/\" style=\"font-weight: normal;\">musicians.frontrowinsurance.com</a></h2>\n<p>The policy term is for <strong>12 months</strong> and coverage is provided throughout Canada and the USA.</p>\n<p>All equipment is covered for <a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">replacement cost</a> for theft, damage, fire and loss of use. The online link ensures industry-low prices:</p>\n<ul>\n<li>$10,000 equipment coverage: $100</li>\n<li>$1,000,000 location liability coverage: $75; $2,000,000: $100. Liability covers property damage and bodily injury to third parties. Pays legal fees too.</li>\n<li>$500 deductible for gear</li>\n</ul>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for musicians,\" said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row, \"Given that an insurance company underwriter is not involved, the cost to process an instrument insurance policy is much less online and we have passed the savings onto the musician. Although the instrument policy is online, we are still available to answer questions by email or over the phone if required.\"</p>\n<p><strong>SEE ALSO</strong>: <a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">MUSICAL GEAR : INSURANCE AND PROTECTION WHILE ON TOUR</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/photographers-you-may-not-be-covered-by-your-homeowners-insurance-if-you-have-been-paid\" rel=\"noopener\">PHOTOGRAPHERS AND HOMEOWNERS INSURANCE</a></p>\n<h3>Related:</h3>\n<p><a href=\"/musical-instrument-insurance-101\" rel=\" noopener\">Musical Instrument Insurance 101: How to Protect Your Instruments</a><br><a href=\"/articles/musical-instrument-theft-prevention-what-you-need-to-know\" rel=\" noopener\">Tips &amp; tricks to guard your gear </a><br><a href=\"/instrument-insurance-blog/bid/205377/protecting-musical-instruments-at-home-insurance-and-more\" rel=\" noopener\">Protecting instruments at home</a><br><a href=\"/instrument-insurance-blog/bid/205279/6-ways-to-protect-your-instruments-at-airports-and-on-planes\" rel=\" noopener\">Protecting instruments at airports </a><br><a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">Protecting instruments on tour</a><br><a href=\"/articles/summer-and-tours-what-you-need-to-know-about-musical-tour-insurance\" rel=\" noopener\">Musical tour insurance </a><br><a href=\"/articles/band-on-the-run-touring-insurance-tips-for-taking-your-show-on-the-road\" rel=\" noopener\">Band on the run </a><br><a href=\"/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance\" rel=\" noopener\">Tribute bands and liability </a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-guitar\" rel=\" noopener\">Protecting your guitar</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-drums\" rel=\" noopener\">Protecting your drums</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-keyboard\" rel=\" noopener\">Protecting your keyboard</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-violin\" rel=\" noopener\">Protecting your violin</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-saxophone\" rel=\" noopener\">Protecting your saxophone</a><br><a href=\"/instrument-insurance-blog/bid/118532/stolen-musical-instruments-how-to-make-a-claim\" rel=\" noopener\">How to make a claim</a><br><a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">What is my gear worth in event of claim?</a><br>You may not be covered under homeowners<br><a href=\"/instrument-insurance-blog/bid/118744/front-row-instrument-policy-launches-on-line\" rel=\" noopener\">Front Row’s musical instrument policy </a><br><a href=\"/instrument-insurance-blog/bid/117160/instrument-insurance-for-socan-members\" rel=\" noopener\">Insurance for SOCAN members </a><br><a href=\"/instrument-insurance-blog/bid/146779/musical-instrument-insurance-companies-how-to-compare\" rel=\" noopener\">How to compare musical instrument insurance cos.</a><br><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\" noopener\">Blurring the lines of music infringement law</a></p>","postEmailContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postFeaturedImageIfEnabled":"","postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>You arrive back at your van to find the window smashed and your instruments missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned.</p>\n<p>The claims adjuster does a &nbsp;web search and sees that you have played some small gigs. Because you occasionally perform for money, your gear is now considered <strong>commercial</strong> equipment and as such, <strong>not</strong> covered by your homeowner’s insurance policy, which is intended to cover “personal” musical gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only played twice in the last 12 months and made less than $300 for the performances.</p>\n<p>The adjuster shrugs, “It doesn’t matter, even if you busk 10 minutes for $10, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p>This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional musicians assume they are covered by their homeowners insurance policy when in fact they are not.</p>\n<p>If you perform for money, check your policy and make sure your coverage is appropriate. At Front Row, we have created a 5-minute online insurance solution.</p>\n<h2>Available to SOCAN members at: <a href=\"https://musicians.frontrowinsurance.com/\" style=\"font-weight: normal;\">musicians.frontrowinsurance.com</a></h2>\n<p>The policy term is for <strong>12 months</strong> and coverage is provided throughout Canada and the USA.</p>\n<p>All equipment is covered for <a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">replacement cost</a> for theft, damage, fire and loss of use. The online link ensures industry-low prices:</p>\n<ul>\n<li>$10,000 equipment coverage: $100</li>\n<li>$1,000,000 location liability coverage: $75; $2,000,000: $100. Liability covers property damage and bodily injury to third parties. Pays legal fees too.</li>\n<li>$500 deductible for gear</li>\n</ul>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for musicians,\" said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row, \"Given that an insurance company underwriter is not involved, the cost to process an instrument insurance policy is much less online and we have passed the savings onto the musician. Although the instrument policy is online, we are still available to answer questions by email or over the phone if required.\"</p>\n<p><strong>SEE ALSO</strong>: <a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">MUSICAL GEAR : INSURANCE AND PROTECTION WHILE ON TOUR</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/photographers-you-may-not-be-covered-by-your-homeowners-insurance-if-you-have-been-paid\" rel=\"noopener\">PHOTOGRAPHERS AND HOMEOWNERS INSURANCE</a></p>\n<h3>Related:</h3>\n<p><a href=\"/musical-instrument-insurance-101\" rel=\" noopener\">Musical Instrument Insurance 101: How to Protect Your Instruments</a><br><a href=\"/articles/musical-instrument-theft-prevention-what-you-need-to-know\" rel=\" noopener\">Tips &amp; tricks to guard your gear </a><br><a href=\"/instrument-insurance-blog/bid/205377/protecting-musical-instruments-at-home-insurance-and-more\" rel=\" noopener\">Protecting instruments at home</a><br><a href=\"/instrument-insurance-blog/bid/205279/6-ways-to-protect-your-instruments-at-airports-and-on-planes\" rel=\" noopener\">Protecting instruments at airports </a><br><a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">Protecting instruments on tour</a><br><a href=\"/articles/summer-and-tours-what-you-need-to-know-about-musical-tour-insurance\" rel=\" noopener\">Musical tour insurance </a><br><a href=\"/articles/band-on-the-run-touring-insurance-tips-for-taking-your-show-on-the-road\" rel=\" noopener\">Band on the run </a><br><a href=\"/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance\" rel=\" noopener\">Tribute bands and liability </a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-guitar\" rel=\" noopener\">Protecting your guitar</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-drums\" rel=\" noopener\">Protecting your drums</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-keyboard\" rel=\" noopener\">Protecting your keyboard</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-violin\" rel=\" noopener\">Protecting your violin</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-saxophone\" rel=\" noopener\">Protecting your saxophone</a><br><a href=\"/instrument-insurance-blog/bid/118532/stolen-musical-instruments-how-to-make-a-claim\" rel=\" noopener\">How to make a claim</a><br><a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">What is my gear worth in event of claim?</a><br>You may not be covered under homeowners<br><a href=\"/instrument-insurance-blog/bid/118744/front-row-instrument-policy-launches-on-line\" rel=\" noopener\">Front Row’s musical instrument policy </a><br><a href=\"/instrument-insurance-blog/bid/117160/instrument-insurance-for-socan-members\" rel=\" noopener\">Insurance for SOCAN members </a><br><a href=\"/instrument-insurance-blog/bid/146779/musical-instrument-insurance-companies-how-to-compare\" rel=\" noopener\">How to compare musical instrument insurance cos.</a><br><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\" noopener\">Blurring the lines of music infringement law</a></p></span>","postListSummaryFeaturedImage":"","postRssContent":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postRssSummaryFeaturedImage":"","postSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postSummaryRss":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen data-service=\"youtube\"></iframe></div>\n</div>\n","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"BDmTMigL","previousPostFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/social-suggested-images/White_collar_holding_film_camera.jpg","previousPostFeaturedImageAltText":"Online Insurance for Owners of Camera, Sound & Lighting Gear","previousPostName":"Online Insurance for Owners of Camera, Sound & Lighting Gear","previousPostSlug":"articles/front-row-insurance-launches-automated-insurance-for-owners-of-cameras-sound-and-lighting-gear","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[],"publicAccessRulesEnabled":false,"publishDate":1462304970000,"publishDateLocalTime":1462304970000,"publishDateLocalized":{"date":1462304970000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1649436419607,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/musical-instrument-insurance-you-may-not-be-covered","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":"en","rssBody":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more--><p><br>You arrive back at your van to find the window smashed and your instruments missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned.</p>\n<p>The claims adjuster does a &nbsp;web search and sees that you have played some small gigs. Because you occasionally perform for money, your gear is now considered <strong>commercial</strong> equipment and as such, <strong>not</strong> covered by your homeowner’s insurance policy, which is intended to cover “personal” musical gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only played twice in the last 12 months and made less than $300 for the performances.</p>\n<p>The adjuster shrugs, “It doesn’t matter, even if you busk 10 minutes for $10, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p>This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional musicians assume they are covered by their homeowners insurance policy when in fact they are not.</p>\n<p>If you perform for money, check your policy and make sure your coverage is appropriate. At Front Row, we have created a 5-minute online insurance solution.</p>\n<h2>Available to SOCAN members at: <a href=\"https://musicians.frontrowinsurance.com/\" style=\"font-weight: normal;\">musicians.frontrowinsurance.com</a></h2>\n<p>The policy term is for <strong>12 months</strong> and coverage is provided throughout Canada and the USA.</p>\n<p>All equipment is covered for <a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">replacement cost</a> for theft, damage, fire and loss of use. The online link ensures industry-low prices:</p>\n<ul>\n<li>$10,000 equipment coverage: $100</li>\n<li>$1,000,000 location liability coverage: $75; $2,000,000: $100. Liability covers property damage and bodily injury to third parties. Pays legal fees too.</li>\n<li>$500 deductible for gear</li>\n</ul>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for musicians,\" said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row, \"Given that an insurance company underwriter is not involved, the cost to process an instrument insurance policy is much less online and we have passed the savings onto the musician. Although the instrument policy is online, we are still available to answer questions by email or over the phone if required.\"</p>\n<p><strong>SEE ALSO</strong>: <a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">MUSICAL GEAR : INSURANCE AND PROTECTION WHILE ON TOUR</a></p>\n<p><a href=\"/articles/film-equipment-owners-you-may-not-be-covered-under-a-homeowners-insurance-policy-if-you-have-used-your-gear-professionally\" rel=\"noopener\">FILMMAKERS AND HOMEOWNERS INSURANCE</a></p>\n<p><a href=\"/articles/photographers-you-may-not-be-covered-by-your-homeowners-insurance-if-you-have-been-paid\" rel=\"noopener\">PHOTOGRAPHERS AND HOMEOWNERS INSURANCE</a></p>\n<h3>Related:</h3>\n<p><a href=\"/musical-instrument-insurance-101\" rel=\" noopener\">Musical Instrument Insurance 101: How to Protect Your Instruments</a><br><a href=\"/articles/musical-instrument-theft-prevention-what-you-need-to-know\" rel=\" noopener\">Tips &amp; tricks to guard your gear </a><br><a href=\"/instrument-insurance-blog/bid/205377/protecting-musical-instruments-at-home-insurance-and-more\" rel=\" noopener\">Protecting instruments at home</a><br><a href=\"/instrument-insurance-blog/bid/205279/6-ways-to-protect-your-instruments-at-airports-and-on-planes\" rel=\" noopener\">Protecting instruments at airports </a><br><a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">Protecting instruments on tour</a><br><a href=\"/articles/summer-and-tours-what-you-need-to-know-about-musical-tour-insurance\" rel=\" noopener\">Musical tour insurance </a><br><a href=\"/articles/band-on-the-run-touring-insurance-tips-for-taking-your-show-on-the-road\" rel=\" noopener\">Band on the run </a><br><a href=\"/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance\" rel=\" noopener\">Tribute bands and liability </a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-guitar\" rel=\" noopener\">Protecting your guitar</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-drums\" rel=\" noopener\">Protecting your drums</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-keyboard\" rel=\" noopener\">Protecting your keyboard</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-violin\" rel=\" noopener\">Protecting your violin</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-saxophone\" rel=\" noopener\">Protecting your saxophone</a><br><a href=\"/instrument-insurance-blog/bid/118532/stolen-musical-instruments-how-to-make-a-claim\" rel=\" noopener\">How to make a claim</a><br><a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">What is my gear worth in event of claim?</a><br>You may not be covered under homeowners<br><a href=\"/instrument-insurance-blog/bid/118744/front-row-instrument-policy-launches-on-line\" rel=\" noopener\">Front Row’s musical instrument policy </a><br><a href=\"/instrument-insurance-blog/bid/117160/instrument-insurance-for-socan-members\" rel=\" noopener\">Insurance for SOCAN members </a><br><a href=\"/instrument-insurance-blog/bid/146779/musical-instrument-insurance-companies-how-to-compare\" rel=\" noopener\">How to compare musical instrument insurance cos.</a><br><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\" noopener\">Blurring the lines of music infringement law</a></p>","rssSummary":"<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: 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data-service=\"youtube\"></iframe></div>\n</div>\n","rssSummaryFeaturedImage":"","scheduledUpdateDate":0,"screenshotPreviewTakenAt":1649436419756,"screenshotPreviewUrl":"https://cdn2.hubspot.net/hubshot/22/04/08/501a11cc-1f29-4a3a-8f37-f87fb93b54a3.png","sections":{},"securityState":"NONE","siteId":null,"slug":"articles/musical-instrument-insurance-you-may-not-be-covered","stagedFrom":null,"state":"PUBLISHED","stateWhenDeleted":null,"styleOverrideId":null,"subcategory":"normal_blog_post","syncedWithBlogRoot":true,"tagIds":[949436814],"tagList":[{"categoryId":0,"cdnPurgeEmbargoTime":null,"contentIds":[],"cosObjectType":"TAG","created":1401900445000,"deletedAt":0,"description":"","id":949436814,"label":"Musical instrument insurance","language":"en","name":"Musical instrument insurance","portalId":61352,"slug":"musical-instrument-insurance","translatedFromId":null,"translations":{},"updated":1649857146996}],"tagNames":["Musical instrument 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Categories","name":"menu_header_sector_categories","order":2,"smart_type":null,"type":"menu"},"module_156398965931111":{"body":{"definition_id":null,"module_id":8696351,"path":"/Marketplace/HubSpot/Team_Member/Team Member","per_widget_wrapper_html":"","smart_objects":null,"smart_type":"NOT_SMART","tag":"module","type":"module","widget_name":"Team Member","wrapping_html":""},"child_css":{},"css":{},"deleted_at":1649436413012,"id":"module_156398965931111","label":"Team Member","module_id":8696351,"name":"module_156398965931111","order":9,"smart_type":null,"styles":{},"type":"module"},"name":{"body":{"title":"Music Instrument Insurance: You May not be Covered under Homeowners"},"id":"name","label":"Title","name":"name","type":"text"},"post_body":{"body":{"html":"<h1>Music Instrument Insurance: You May not be Covered under Homeowners</h1>\n<div class=\"hs-responsive-embed-wrapper hs-responsive-embed\" style=\"width: 100%; height: auto; position: relative; overflow: hidden; padding: 0; max-width: 560px; max-height: 315px; min-width: 256px; margin: 0px auto; display: block;\">\n<div class=\"hs-responsive-embed-inner-wrapper\" style=\"position: relative; overflow: hidden; max-width: 100%; padding-bottom: 56.25%; margin: 0;\"><iframe class=\"hs-responsive-embed-iframe\" style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none;\" allow=\"accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture\" xml=\"lang\" src=\"https://www.youtube.com/embed/bSVwmNaqwf0?controls=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-service=\"youtube\"></iframe></div>\n</div>\n<!--more-->\n<p><br>You arrive back at your van to find the window smashed and your instruments missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned.</p>\n<p>The claims adjuster does a &nbsp;web search and sees that you have played some small gigs. Because you occasionally perform for money, your gear is now considered <strong>commercial</strong> equipment and as such, <strong>not</strong> covered by your homeowner’s insurance policy, which is intended to cover “personal” musical gear that is not used for commercial purposes.</p>\n<p>You tell the adjuster that you only played twice in the last 12 months and made less than $300 for the performances.</p>\n<p>The adjuster shrugs, “It doesn’t matter, even if you busk 10 minutes for $10, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.</p>\n<p>This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional musicians assume they are covered by their homeowners insurance policy when in fact they are not.</p>\n<p>If you perform for money, check your policy and make sure your coverage is appropriate. At Front Row, we have created a 5-minute online insurance solution.</p>\n<h2>Available to SOCAN members at: <a href=\"https://musicians.frontrowinsurance.com/\" style=\"font-weight: normal;\">musicians.frontrowinsurance.com</a></h2>\n<p>The policy term is for <strong>12 months</strong> and coverage is provided throughout Canada and the USA.</p>\n<p>All equipment is covered for <a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">replacement cost</a> for theft, damage, fire and loss of use. The online link ensures industry-low prices:</p>\n<ul>\n<li>$10,000 equipment coverage: $100</li>\n<li>$1,000,000 location liability coverage: $75; $2,000,000: $100. Liability covers property damage and bodily injury to third parties. Pays legal fees too.</li>\n<li>$500 deductible for gear</li>\n</ul>\n<p><span style=\"font-size: 18px;\">Currently, <a href=\"/articles/socan-and-front-row\" rel=\" noopener\">SOCAN Members receive $10 off online instrument insurance plus $10 will be donated to the SOCAN Foundation</a> each time the code is used.</span><span style=\"font-size: 18px;\"></span></p>\n<p>\"We wanted to make the insurance process easier, faster and cheaper for musicians,\" said <a href=\"/staff/david-hamilton\" rel=\" noopener\">David Hamilton</a>, President of Front Row, \"Given that an insurance company underwriter is not involved, the cost to process an instrument insurance policy is much less online and we have passed the savings onto the musician. Although the instrument policy is online, we are still available to answer questions by email or over the phone if required.\"</p>\n<p><strong>RELATED POST</strong>: <a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">MUSICAL GEAR : INSURANCE AND PROTECTION WHILE ON TOUR</a></p>\n<h3>Related:</h3>\n<p><a href=\"/musical-instrument-insurance-101\" rel=\" noopener\">Musical Instrument Insurance 101: How to Protect Your Instruments</a><br><a href=\"/articles/musical-instrument-theft-prevention-what-you-need-to-know\" rel=\" noopener\">Tips &amp; tricks to guard your gear </a><br><a href=\"/instrument-insurance-blog/bid/205377/protecting-musical-instruments-at-home-insurance-and-more\" rel=\" noopener\">Protecting instruments at home</a><br><a href=\"/instrument-insurance-blog/bid/205279/6-ways-to-protect-your-instruments-at-airports-and-on-planes\" rel=\" noopener\">Protecting instruments at airports </a><br><a href=\"/instrument-insurance-blog/bid/118477/musical-gear-insurance-and-protection-while-on-tour\" rel=\" noopener\">Protecting instruments on tour</a><br><a href=\"/articles/summer-and-tours-what-you-need-to-know-about-musical-tour-insurance\" rel=\" noopener\">Musical tour insurance </a><br><a href=\"/articles/band-on-the-run-touring-insurance-tips-for-taking-your-show-on-the-road\" rel=\" noopener\">Band on the run </a><br><a href=\"/articles/articles/bid/81594/why-even-your-band-should-carry-liability-insurance\" rel=\" noopener\">Tribute bands and liability </a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-guitar\" rel=\" noopener\">Protecting your guitar</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-drums\" rel=\" noopener\">Protecting your drums</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-keyboard\" rel=\" noopener\">Protecting your keyboard</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-violin\" rel=\" noopener\">Protecting your violin</a><br><a href=\"/instrument-insurance-blog/20-effective-ways-to-protect-your-saxophone\" rel=\" noopener\">Protecting your saxophone</a><br><a href=\"/instrument-insurance-blog/bid/118532/stolen-musical-instruments-how-to-make-a-claim\" rel=\" noopener\">How to make a claim</a><br><a href=\"/instrument-insurance-blog/bid/191494/instrument-insurance-what-is-my-gear-worth-in-an-claim\" rel=\" noopener\">What is my gear worth in event of claim?</a><br>You may not be covered under homeowners<br><a href=\"/instrument-insurance-blog/bid/118744/front-row-instrument-policy-launches-on-line\" rel=\" noopener\">Front Row’s musical instrument policy </a><br><a href=\"/instrument-insurance-blog/bid/117160/instrument-insurance-for-socan-members\" rel=\" noopener\">Insurance for SOCAN members </a><br><a href=\"/instrument-insurance-blog/bid/146779/musical-instrument-insurance-companies-how-to-compare\" rel=\" noopener\">How to compare musical instrument insurance cos.</a><br><a href=\"/articles/blurring-the-lines-of-music-infringement-law-three-perspectives-in-one\" rel=\" noopener\">Blurring the lines of music infringement law</a></p>"},"deleted_at":1604599106708,"id":"post_body","label":"Blog Content","name":"post_body","type":"rich_text"}}}

Music Instrument Insurance: You May not be Covered under Homeowners


You arrive back at your van to find the window smashed and your instruments missing. You take out your phone and call your insurance broker to report the claim under the homeowners policy that you purchased. An adjuster is assigned.

The claims adjuster does a  web search and sees that you have played some small gigs. Because you occasionally perform for money, your gear is now considered commercial equipment and as such, not covered by your homeowner’s insurance policy, which is intended to cover “personal” musical gear that is not used for commercial purposes.

You tell the adjuster that you only played twice in the last 12 months and made less than $300 for the performances.

The adjuster shrugs, “It doesn’t matter, even if you busk 10 minutes for $10, you are a professional and your gear is considered commercial and is no longer covered under a homeowners policy”.

This is a difficult, pricey lesson that is better learned before there is a loss. Our experience tells us that many professional musicians assume they are covered by their homeowners insurance policy when in fact they are not.

If you perform for money, check your policy and make sure your coverage is appropriate. At Front Row, we have created a 5-minute online insurance solution.

Available to SOCAN members at: musicians.frontrowinsurance.com

The policy term is for 12 months and coverage is provided throughout Canada and the USA.

All equipment is covered for replacement cost for theft, damage, fire and loss of use. The online link ensures industry-low prices:

  • $10,000 equipment coverage: $100
  • $1,000,000 location liability coverage: $75; $2,000,000: $100. Liability covers property damage and bodily injury to third parties. Pays legal fees too.
  • $500 deductible for gear

"We wanted to make the insurance process easier, faster and cheaper for musicians," said David Hamilton, President of Front Row, "Given that an insurance company underwriter is not involved, the cost to process an instrument insurance policy is much less online and we have passed the savings onto the musician. Although the instrument policy is online, we are still available to answer questions by email or over the phone if required."

SEE ALSO: MUSICAL GEAR : INSURANCE AND PROTECTION WHILE ON TOUR

FILMMAKERS AND HOMEOWNERS INSURANCE

PHOTOGRAPHERS AND HOMEOWNERS INSURANCE

Related:

Musical Instrument Insurance 101: How to Protect Your Instruments
Tips & tricks to guard your gear
Protecting instruments at home
Protecting instruments at airports
Protecting instruments on tour
Musical tour insurance
Band on the run
Tribute bands and liability
Protecting your guitar
Protecting your drums
Protecting your keyboard
Protecting your violin
Protecting your saxophone
How to make a claim
What is my gear worth in event of claim?
You may not be covered under homeowners
Front Row’s musical instrument policy
Insurance for SOCAN members
How to compare musical instrument insurance cos.
Blurring the lines of music infringement law

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