Does homeowners’ insurance cover piano damage?

water damage

Water got inside this piano due to a home water leak in the ceiling above it. Notice the significant rust on the strings to the left, and mold and discoloration on the hammers to the right.

Fortunately, in this case, homeowners insurance covered the cost of replacing the hammers and the strings in this piano, since the damage was not structural or pervasive and repair costs did not exceed the value of the instrument. 

Most homeowner’s or renter’s insurance policies will cover damage to pianos that is the result of water, smoke, fire, other types of home damage, or natural disasters. I’m happy to provide an estimate of repair costs for insurance purposes and will work with your insurance company to determine the best solution.