Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

My musical equipment stolen from friend's house covered by insurance

If my musical equipment like guitars amplifiers and PA system is stolen from friends house is it covered by his insurance? I have a lot of musical equipment. I play in a hobby band. We don't make any money. We practice weekly in my friends garage he also plays in the band. If any or all of my equipment get stolen from his garage does his home owners insurance cover my stuff?

Jun 21, 2018 El Paso, TX

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure. The tricky thing has to do with the value of the assets. If your musical equipment is very valuable, you might want to think about what's called an musical instrument endorsement. Basically, this will extend the coverage limit for your musical equipment in event the total loss sum is greater than the coverage limit. For example, your musical equipment is worth $15,000 but your friend's personal property coverage limit is $10,000. You can be left in a situation where you've maxed out the coverage. In order to get this additional coverage, your friend would have to add it to his policy. If your friend does not want to do this, I recommend looking into specific coverage for your instruments. Renters/home insurance does provide coverage worldwide (meaning your coverage could help in the event it is stolen away from your property) but you might have less coverage. For more information regarding renters and home insurance, follow the links! However, my best advice is to contact your friend's insurance company or review the policy declarations page.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Can I sell my vehicle if it is totaled?

A totaled vehicle is one where the cost of repairs is more than the value of the vehicle itself. If the vehicle is truly totaled, you can do what you'd like with it. There shouldn't be any legal issue with selling the vehicle if choose to do so. However, you will need to obtain a salvage …
May 21, 2017 Dallas, TX

Does car insurance cover a uhaul?

Renting a U-haul is much like renting a car. Consider the size of the vehicle you will be renting. Generally speaking, if the vehicle has a full 1-ton towing capacity (normally designated as an F-350 or 3500 on the vehicle) or smaller then your policy will extend to cover that vehicle just like ren…
Jul 17, 2016 Topeka, KS

Should I file a claim if I damaged my car backing out of the driveway but I only have liability?

If you only have liability coverage then you won't be able to file a damage claim. Your policy would need to include collision coverage at the time of the incident for you to be able to get it repaired through your insurance provider. Unfortunately, you aren't able to add any additional c…
Jun 21, 2017 Dallas, TX

Can I file a claim for a stolen car if my son gave his friend permission to drive my vehicle?

You will need to report the vehicle stolen before you are able to file a claim with your insurance provider. From there, your insurance company should handle the remainder of the claim if you have comprehensive coverage. If the vehicle is recovered then your insurance company would repair any damag…
Apr 29, 2017 Plano, TX