If it's accidentally broken or just didn't make it home, you can't afford to be without your creative muse, your musical gear. Even if your instrument goes missing, we can help you get back on track ASAP.
Being your best self means not being afraid of damage
The warranty on your new flute likely doesn’t cover the aftermath of your nephew using it as a fly swatter. Making sure you stay ready to demonstrate virtuosity in front of family and friends means taking care of loss, theft or damage so your creative process is not hindered.
Everything you need, nothing you don’t.
In addition to flexible, low deductible options, we also offer no paper and no long-term commitments. Sign up, go live your life, and change your mind if you want. We’ve got you covered.
Any brand of musical gear, any type
We can cover your stuff whether it is a guitar, keyboard, microphone, or the cases that hold them. We make working with us as easy as a 3-chord song.
Why choose Traverse to cover your musical instrument
Low deductible options
We make it easy to protect the things that matter to you most. We offer flexible coverage that fits your life and budget, and that means keeping your deductible low, depending on the plan you choose. If your loss is covered, we’ll reimburse you fast via direct deposit so you can replace your item quickly.
No long-term commitment
These days, flexibility is so important. If your situation changes, Traverse is ready. Adjust your plan to suit a new circumstance or, cancel if you have to. No problem.
Cover lost, stolen,
and broken equipment
Whether you accidentally leave it on the bus, it's swiped on the subway, or it takes an unexpected spill off the stage, that's why you have us. When life happens, we can help protect the stuff you love.
Still have questions?
How to protect your musical gear with Traverse
An easy way to protect your musical equipment
Traverse offers affordable protection on terms that match your lifestyle now, with flex options for when you grow or your situation changes. Even though you are careful, things can still happen to your stuff. Dropped and damaged your guitar during practice? It can be covered with Traverse.Here’s how protection with Traverse works:
- For the digital or analog things like a vintage accordion you wish to protect, research coverage options and pick the one that suits your item(s) and how you live.
- Get back to doing your thing(s).
- Tell us if something happens to your covered items. We'll help you take care of the rest by reimbursing you for the repair or replacement cost up to your policy limit.
What is a deductible?
If it costs $1,200 to replace an item and your plan covers you up to $1,500 with a $100 deductible, Traverse would reimburse the $1,200, minus the $100 deductible, meaning you would receive $1,100. Lower deductible plans cost more per month than those with a higher deductible.
You pick the amount of coverage you think you need, and can afford. The coverage amount is the maximum amount that Traverse will pay to repair or replace the items you protected if you have a claim.What if I have more than one instrument I want to have covered?
From harps to accordions, your instruments can be protected by Traverse. These can be individually covered up to the maximum amount of coverage you pick.What about something small, like a drum head or pedal?
Repairing or replacing an item is covered if the damage happened during the coverage period. If the item was damaged before you signed up for coverage with Traverse, repairs would not be covered.What does “maxiumum coverage” look like?
We let you choose the coverage amount that works for you, to a maximum of $5,000.
What to do when something happens to your stuff
Submitting a claim takes just minutes. Log into your account on our website, head to Claims and fill us in on what happened. For Personal Articles Coverage claims, we will ask you to prove ownership of each item. If more information is needed to process the claim, the claim professional will reach out to you.
Doing Business With Traverse
We make it easy to update your policy, profile, and billing information with Traverse. Everything can happen online in your Self Service account. Visit www.traverseinsurance.com and click the login button to view your policy documents, file a claim or adjust coverage, or update your address, contact and other info.What if I decide I no longer require coverage?
If you need to cancel, the remaining portion of the subscription will be refunded, no questions asked.