Why Oboe Owners Need Standalone Oboe Insurance Plans and Not Just Homeowner’s Insurance?

Did you leave your oboe unattended at the studio and later found that it’s gone missing? Did a crew member accidentally drop your instrument while preparing for a concert?

If you come across such situations in real life, the world will feel like falling apart, isn’t it? Sad, but true, such unwanted scenarios do happen in real life. No matter whether you or someone else is at fault, as a musician, nothing can be as tormenting as losing your instrument. In order to make sure that your musical instrument is well protected against such unwanted cases, as an owner of an oboe, it is highly advisable that you get an Oboe Insurance cover, right away.

Do you actually need a standalone musical instrument insurance plan?

Musical instrument insurance - One cover multiple benefits

Standalone musical gear insurance plans cover a wide range of risks associated with musical instruments. And, the benefits exceed those of the regular homeowner’s insurance policies. So, yes, getting a standalone musical instrument is essential.

Homeowner’s insurance means limited cover

Your homeowner’s insurance plan, yes, it will cover your musical instruments under certain limitations. It will cover your gear when inside the premises of your home. Or, offer a maximum of supplemental off-premises cover inside a hotel room, etc., provided if you’ve opted for it.

The full value of the sum insured

Another catch with homeowner’s insurance plans is, such insurance plans cover a certain percentage of the cost of the instrument insured. So, if you own an expensive oboe, like a really expensive one, your gear might not be covered adequately.

Overall protection you will not get otherwise

In contrary to homeowner’s insurance, standalone musical instrument policies not only offer overall protection to the insured gears but also cover theft, damage caused while the thing is in transit as well as natural calamities. Apart from the musical gears, the associated accessories like, sheet music, cases, music stands, etc. are also covered.

 Let’s have a detailed look at what dedicated musical insurance policies offer -

●    Damage to your musical instruments
●    Loss as a result of burglary, theft, extortion, and similar reasons
●    Cases of fraud and embezzlement
●    Damage due to fire, flood, lightning, storm, etc.

Some more aspects covered under standalone musical insurance taken from a reliable service provider include the following -

●    Apart from musical instruments, the standalone policies available with reputable insurance agencies are more likely to cover any related accessories like bags, holders, cases, etc.

●    Electrical and electronic equipment used for sound and lighting, such as microphones, speakers, amplifiers, and transmitters, etc. are also covered, unlike homeowners’ insurance plans.

●    When you have a dedicated insurance policy for your oboe from a reliable service provider, you are likely to get the full amount of insured value, in case you lose your gear. Moreover, you'll get the full cost of repair for getting the same repaired, if damaged.

●    Professional musicians do need to travel the world for various shows and concerts. Are you one of them? What if you lose your oboe while touring? What if it gets damaged when you are in another country? There is nothing to be worried about when your gear is covered under a suitable musical insurance plan. The reason - you are likely to get worldwide cover.

So, when you can leverage a world of benefit simply by getting a standalone Oboe Insurance plan, don’t you think it’s worth investing in it? Besides, so many benefits, you’ll also get peace of mind for sure. So, write down your requirements from your policy, search online, ask quotations from multiple service providers and choose a policy that you think will meet your requirements.