Investing in a musical instrument can be pricey and the last thing a musician wants is for their instrument to be lost, stolen, or damaged. That's why musical instrument insurance can become a musician’s bestie!  

In this blog, we cover everything from why you should insure your instruments to how musical instrument insurance works and how to choose the right insurance! 

How to figure out if you need musical instrument insurance? 

Whether you are a regular musician, a professional musician, are part of a band or enjoy playing on your own, insurance can be the solution to many potential problems that come with owning a musical instrument! 

To figure out if you need instrument insurance, simply ask yourself if you care enough about the instrument to give it the proper care and coverage that it needs. If you are always on the go and like to bring your instrument along with you, that means you are exposing it to certain risks and in that case, insurance is a must!  


What musical instruments can you insure? 

With Arma Karma, you can get a subscription that covers up to 5 items so if you own multiple musical instruments, you can insure all of them without having to worry! Depending on the number of items that you decide to cover and their value, you will get a personalised monthly price to pay on the same day of each month. Insuring your instruments has never been easier!


How does musical instrument insurance work? 

We provide coverage in case of accidental damage, theft, or loss and cover abroad for your instruments. If you happen to be a touring musician and have expensive instruments to carry, insuring your instruments can allow you to have simultaneously maximum safety and a worry-free tour!  


How to choose the right insurance? 

Choosing the right insurance for your instrument can be a daunting task, but it’s important to take the time to research and compare options to ensure you’re getting the best coverage for your needs. 

The first step is to determine what type of coverage you require for your instrument. Are you looking for coverage for accidental damage only, or do you need coverage for theft and loss as well? 

You also need to consider the value of your instrument and how much coverage you need. A high-value instrument may require more coverage than a less expensive one. 

At Arma Karma, we take into consideration all these aspects to provide you with tailored coverage and maximum safety! 


Ask for recommendations!  

It’s also a good idea to reach out to other musicians and ask for recommendations. They may have personal experience with certain insurance providers and can offer valuable insight. Insuring your items is a big deal so don’t be afraid to ask questions and seek clarification from the insurance company before making a decision. 


Choose an insurance company that cares! 

Lastly, consider the level of customer service offered by the insurance provider. You want to choose a company that is responsive and helpful in case you need to file a claim. Look for companies that have a real genuine interest in their customers and the positive impact they create. In addition, 25% of Arma Karma’s commission revenue goes to charity! 


A final word for our musicians: 

In conclusion, instrument insurance is a great idea for any musician who wants to protect their instrument and their financial investment. By asking yourself if you need insurance, understanding how it works, and taking the time to choose the right provider, you can have peace of mind knowing that your instrument is protected.  

As a forward-thinking insurance company, Arma Karma aims to provide coverage for all and offers policies to cover various items, including all your favourite musical instruments! So, if that sounds like something you might want to try out, go ahead and enjoy playing your instrument knowing that you are covered by the reliable insurance policy that Arma Karma has to offer, get a quote now!