Kanetix Forum

I am looking to insure a $5,000 violin.  It is my son's and he takes it to lessons and orchestra and band.

Musical instruments cannot be insured on their own.

To insure musical instruments specifically, you must add them on as a floater on your homeowner¿s insurance policy. Usually you'll need a proof of value such as a receipt or appraisal and there will be a separate coverage amount and charge shown on your homeowner¿s policy.

You can get home insurance quotes at kanetix.ca/home-insurance onto which you could add the violin as a floater.

Assuming you may already have a home insurance policy, you can simply contact your home insurance company to request that the violin be added onto your current policy.

Sean Graham, KTX Insurance Brokers

Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person¿s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.

But I rent a house not own so how do I get house insurance? And does it cover the violin when he is always on the go with it? For the NSYO they go to Halifax for the whole weekend and billet at someone's house.

If you do not own a home you should purchase a condo owners or a tenant's insurance policy. This policy will insure you for liability as well as cover your personal belongings. You can insure the violin on this type of policy. Coverage for scheduled musical instruments is very broad and usually covers the instruments on a world-wide basis. I suggest you discuss the exact coverages further with the broker/agent you end up purchasing insurance from.

Sean Graham, KTX Insurance Brokers

Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person¿s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.