Can you use renter's insurance to cover musical instruments in the practice space you rent?

Answer

Like a policy on an owned home, a percent of the personal property of the insured is covered while off premises, under many conditions. Normally something like 10% of the amount of personal property coverage purchased. You should check with your agent on your specific policy, as renters policies are very risk intolerant.

As it is intended for covering items off premises, (like at school), I'm not sure it would cover it in another space that you rent. You may need to purchase, or extend your policy for that space.

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