for musicians
The rig your policy underinsures by default.
Instruments and studio gear are high-value, portable, and most at risk the moment they leave the house. Document each piece with a real value and timestamped proof, and find out which ones need scheduling before a load-out or a break-in tests your coverage.
Gear crosses the limit fast
A single guitar, a synth, a pair of studio monitors, or a mic locker can exceed the special sub-limit a homeowners or renters policy quietly applies. The scan flags items whose value crosses that kind of threshold, so you know which pieces need a scheduled instrument policy or rider — the cover that actually pays full value.
Instruments don't depreciate like appliances
A vintage guitar can appreciate; a two-year-old interface depreciates. Each piece gets a current value where depreciation applies and an appraisal-needed flag where it doesn't, so the number per item is honest — not one lump total an adjuster can discount.
Proof for the gig and the studio
Gear is most exposed exactly when it leaves the house — a venue, a van, a tour. Timestamped photo evidence of each piece establishes you owned it and its condition, the hardest thing to prove after something's stolen from a load-out or damaged in transit. Re-scan when you buy or sell to keep the rig current.
Worth being direct about scope: a flagged instrument still needs the right cover added by your insurer — a scheduled rider or a dedicated instrument policy, especially if you play paid gigs, which some homeowners policies exclude as commercial use. This flags what needs that conversation and gives you the evidence; it doesn't issue the coverage.