We have instrument insurance as a separate insurance. There are specific insurance companies who do this, the musicians union have a policy up to a certain amount, then go to another company if your instruments are really valuable.

We have 2 harps, a bowed psaltery,a guitar,various wooden recorders, amplifier, tuners etc. insured for around £145 p.a. Which seems horrendous, but if you consider that the value of the instruments are around £20,000 (replacement value), its worth it.

Jenny