Yeah, +1 for lee_UK. I’d consult this FAQ here at Anderson Group to learn more about homeowner’s coverage on musical instrument.

If you play professionally, get a real guitar insurance policy. If you have a vintage instrument, be very careful with “replacement cost” coverage… if you’ve got a vintage guitar you almost certainly want “agreed value”. That FAQ above explains all this. I have coverage on my 58 les paul tv… you could never “replace” this so you can get really screwed with replacement value coverage. I get mine through the company hosting the FAQ… Anderson Group Electric Guitar Insurance