music insurance

I am very sorry to say that one of my students had his PA system and bass rig stolen recently.  The value of all the stolen equipment was well over $10,000.  It was all stolen from his trailer in his driveway.  Another friend lost all of his career related gear (guitars, amps, computer, textbooks from GIT)  in an apartment fire a few years ago.  And we’ve all heard stories about the musicians who suffered in the wake of Hurricane Katrina, and the benefit concerts that were given so that their instruments could be replaced.

So here’s a question for you…what would happen if your music equipment was stolen, lost in a fire, or destroyed in a natural disaster?  How would you replace it?  Since you make your income from music, homeowners and renters insurance won’t pay out to replace your equipment.  I’ve had too many friends and co-workers who have learned this lesson the hard way!


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