Is my guitar covered by my house insurance?
All home contents insurance policies are different, so it is important that you check the details of your own specific policy. However, generally most contents insurance policies will include some cover your your guitar. Typical cover will include theft, loss in fire and similar general risks. However, accidental damage, damage by a pet or damage caused while you are repairing or adjusting your guitar are unlikely to be covered. Most policies will also have a "single item value" limit, so if you have a particular guitar worth a significant amount (say over $1,000 or £1,000) then you must make specific provision or you may find that you are not covered even in the most clear-cut cases.