Ask for current documentation
Do not rely on a badge or a generic insured statement. Ask which current coverage applies to the instrument, who provides it and what documentation is available.
Clarify coverage scope
The piano, finish/components, surrounding property and any storage period can raise separate questions. Ordinary liability and instrument valuation are not automatically the same protection.
Understand the actual terms
Ask about exclusions, valuation, deductibles, reporting requirements and claim handling. Applicable documents and agreements determine answers; this guide does not interpret a particular policy.
Condition and custody
Discuss how existing condition and move scope are recorded. If storage is involved, verify facility, custody and coverage separately. Photos help explain a request but do not replace an agreement.