I have two vintage Martins ... very valuable. I have always have them covered on a seperate policy, a rider to my home policy. Because I'm not a "professional musician" earning my living on stage, my premieums are VERY low, less than $20 per year. And as others have said, the replacement costs are tremendous. It's a good idea, and that is comming from a man that thinks the so called 'insurance industry' is the filthiest industry in the world. CHEERS, Bob