As a renter, it's important to know that your landlord's insurance does not cover any of your belongings. In some cases you your current policy may actual exclude coverage for your musical instruments. This means you would get nothing in the event of a loss. If you want your musical instruments covered in the event of a theft or fire Sherzer & Associates has insurance policies that can cover them for replacement value.
I have 17 years experience in the insurance industry and have been a musician all my life. At Sherzer we partner with local music stores to make sure your gear is covered properly. Many times you can even get a discount for combining your auto policy. If you are interested please get hold of me!
Darwin Meiners - Owner / CFO