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On the issue of car insurance- you might look into having a separate personal articles floater/rider for instruments. It provides coverage for nearly any type of damage or loss regardless of fault or situation. Most homeowners and auto coverages have exclusions, specific dollar limits on personal property (jewelry, instruments, etc.) and can have higher deductibles. If you are a professional musician, making a living on your instruments, that is a different story, and you should have business equipment/property insurance. But, if you are semi-pro, amateur or collector, not making your living on your instruments, then a PAF usually is cheaper and provides much better coverage than just claiming it on your home or auto policies. Those policies emphasize and focus coverage on the house or the car, not your contents/personal stuff.

Most major insurance companies can provide a PAF if you have your other insurance with them. there are a few companies that focus on the instrument market and will offer a stand alone PAF policy.

I have had a PAF for my instruments for years. How do I know this stuff? Well, besides being a lawyer for over 20 years, I also had an insurance agent license for a while and did some consulting work with a local insurance agency. So, I don't claim to be an expert, but I do have some legitimate knowledge in the area of insurance.