Although many home contents insurance will include some basic cover for guitars and other musical instruments, as with all insurance it's worth reading the small print in the policy.
Below is some typical wording relating to contents cover under the heading "What is NOT insured".
It can easily be seen that many potential scenarios that might be of concern to guitarists are not covered. Examples are...
- Your dog or cat scratches or chews your guitar
- Your guitar falls off its stand and gets dented or scratched
- Your guitar warps or splits due to dry, hot weather