As long as I was not a professional, homeowners covered my instruments. BUT - and I do not know about now, as this was some years ago - The best insurance I got was through the AFM. Then it covered almost all working situations for gigging musicians at a very modest rate. "Maybe you could classify them as hobby equipment? " Talk to your agent, it may be that you need a rider, but if you do not gig, that should be OK. as I said, I am not sure about the current issues.