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  <!-- Core pages -->
  <url><loc>https://www.musicinsurance.co.nz/</loc><lastmod>2026-06-15</lastmod><changefreq>weekly</changefreq><priority>1.0</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/about/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/contact/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/faqs/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/making-a-claim/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance-guide/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/privacy/</loc><lastmod>2026-06-15</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/terms/</loc><lastmod>2026-06-15</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/disclaimer/</loc><lastmod>2026-06-15</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>

  <!-- Instruments -->
  <url><loc>https://www.musicinsurance.co.nz/instrument/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/guitar/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/piano-keyboard/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/drums-percussion/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/dj-equipment/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/violin-strings/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/recording-equipment/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/sound-lighting/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/bass-guitar/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/wind-instruments/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/instrument/electronic-music/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Cover types -->
  <url><loc>https://www.musicinsurance.co.nz/cover/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/cover/instrument-equipment/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/cover/public-liability/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/cover/event-cancellation/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/cover/venue-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/cover/non-appearance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/cover/professional-indemnity/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>

  <!-- Who we cover -->
  <url><loc>https://www.musicinsurance.co.nz/who-we-cover/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/who-we-cover/bands/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/who-we-cover/solo-musicians/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/who-we-cover/djs-producers/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/who-we-cover/music-teachers/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/who-we-cover/event-organisers/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/who-we-cover/venue-operators/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/who-we-cover/wedding-musicians/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/who-we-cover/recording-studios/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Locations -->
  <url><loc>https://www.musicinsurance.co.nz/locations/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/auckland/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/wellington/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/christchurch/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/hamilton/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/tauranga/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/dunedin/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/palmerston-north/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/napier/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/nelson/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/locations/queenstown/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>

  <!-- Landing pages -->
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/band-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/dj-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/event-cancellation-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/instrument-insurance-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/musicians-public-liability/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/venue-insurance-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/music-teacher-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/recording-studio-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/festival-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/music-insurance/cheap-music-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Resources (formerly Blog) -->
  <url><loc>https://www.musicinsurance.co.nz/resources/</loc><lastmod>2026-06-15</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/does-home-insurance-cover-musical-instruments/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/public-liability-for-musicians-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/event-cancellation-insurance-guide-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/music-insurance-for-bands-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/dj-equipment-insurance-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/music-teacher-insurance-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/recording-studio-risks-and-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/nz-music-festival-insurance-guide/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/instrument-insurance-vs-contents-cover/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/touring-musician-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/wedding-musician-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/music-venue-public-liability-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/vintage-instrument-insurance-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/music-insurance-faq/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/sound-and-lighting-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/open-air-concert-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/acc-and-music-insurance-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/corporate-music-event-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/choir-and-orchestra-insurance/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/music-insurance-claims-guide/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/guitar-insurance-guide-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/music-teacher-public-liability-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/festival-organiser-insurance-checklist/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/dj-insurance-guide-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/instrument-valuation-guide/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/band-touring-insurance-nz/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/recording-studio-insurance-guide/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.musicinsurance.co.nz/resources/music-insurance-glossary/</loc><lastmod>2026-06-15</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
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