There is a great product called "Precious Collections" that I insure my instruments with. It is thru an agency called AP Intego - there number is 800-274 4532-

There is no deductible and covers for a whole lot more than a homeowners policy does. Like when I use it professionally. Worth calling and asking about!

I had my instrument on my homeowner but then I had a claim on it, and my homeowners was then cancelled. So new agent told me to separate the coverage.