Choose the Appropriate Bassoon Insurance with Reliable Provider

Did you know, millions of people regret losing their musical instruments to theft, robbery, accidental damage, and many such unfortunate accidents? If you also own a musical gear(s), make sure to get it insured, irrespective of their type - woodwind, keyboard, or string. Music instrument cover, say, an all-encompassing Bassoon Insurance could come to your rescue if you fall prey to a stroke of bad luck. 

Without sufficient musical instrument insurance in place, you would otherwise have to spend a fortune to get a replacement instrument. Or maybe, not having proper insurance can put your life and livelihood at stake in cases of a lawsuit with you as the party at fault. Owing to the level of protection that comprehensive cover by a reliable insurance provider could offer, buying an insurance policy is worth an investment. It saves your money, time, and hassles.

Sufficient musical gear cover should cover the following -

●     Replacement insurance

●     Public liability

●     Personal accident

●     Accidental damage

●     Theft or loss of the instrument, and so on

Relying on home insurance to cover musical gears is not a good idea!

Won't my home insurance cover enough to cover my musical instruments, I have included them in the list of items to be insured while taking the policy? Well, most people have this doubt. And the answer is - your home insurance policies, even if it includes your musical gears, is very less likely to provide you with comprehensive coverage.

Cost of replacement

First of all, your home insurance plan will not cover the entire cost of your musical instruments, in case of an accident leading to loss or damage. However, a dedicated Bassoon Insurance will cover your gears along with the accessories.

Worldwide cover

Your home insurance claim for a lost or damaged instrument might not be valid if something happens to your gears outside your home. However, musical instrument insurance policies provide worldwide coverage.

Public liabilities

Professional musicians are most of the time surrounded by people. Whether they are in a recording studio or a live concert, the possibility of public liability is always there. And, lawsuits can be super expensive; there is no question about it. Most importantly, your home insurance policy will not cover public liability, but your musical instrument insurance will.

Claim settlement

Reliable insurance providers who provide instrument-specific insurance products understand the value of your musical gears, financially and emotionally. Plus, they have experts like appraisers and evaluators on board who are knowledgeable and experienced. Therefore, claim settlement will not be a Herculean task with them.

Choose the right policy for proper coverage

There are hosts of insurance companies operating in the market, and so are the insurance policies. So, you might get confused with choosing the most suitable option for you. Don't worry, customer-friendly insurance providers make sure that you get proper assistance while selecting a policy. Also, you need to take certain factors into account while doing so because only you can understand your needs well.

Make a list of musical gears you want to insure. If you have only one instrument, for example, a bassoon, go for an instrument-specific plan - a Bassoon Insurance. Good insurance providers offer policy customization according to your needs. Once you understand your needs, it will become easy for you to choose a plan.

Clear all your doubts related to premiums, deductibles, and other important aspects that are integral to insurance policies. It will help you employ your policy in the future, if needed, in a proper manner.

Always remember, choosing a reliable and customer-oriented insurance provider is as crucial as choosing the most suitable policy. So, do research and be informed. This is how you can find a reliable service provider who will help you find an appropriate insurance plan.

Musical Instrument Insurance - Who Should Get and Why Should They?

Musical Instrument Insurance, as the name suggests, it is a type of insurance plan that is designed especially for musical instruments. However, do you need a separate policy when you already have your home insurance cover?

It is one of the most frequently asked questions by buyers when they are doing their research about standalone policies and confused about whether or not they should buy one. Probably, you are also fighting this dilemma inside your head. No wonder you are here. And the answer is, yes. Even if you have paid an enormous amount of premium, additionally, on your home insurance policy to cover your musical instruments, that may fall short.

There are a host of reasons behind the same that we will discuss later in this blog. Right now, let's find out who should buy a separate insurance policy for their musical instruments.

Is music your profession?

If your livelihood depends on the music and musical instruments, an instrument-oriented insurance policy is indispensable. Standalone music instrument cover taken out from a reputed insurance company is likely to cover the cost of the replacement gear, if any, in case your instrument is stolen, damaged, or lost. Not only the core equipment but such policies also cover the associated paraphernalia and accessories. So, having a Musical Instrument Insurance by your side will not stop you from performing if your instrument is lost or damaged just before your concert. However, your home insurance is very less likely to do you this favor to you.

Do you collect musical instruments?

Are you a music instrument enthusiast who is fond of collecting high-value instruments? If yes, then instrument-specific insurance would be the right thing to do, even if you don’t play those instruments. After all, you have invested more of a fortune on buying those. So, an event of damage or theft can leave you bereft. The rider you have purchased with your home insurance is very less likely to cover the entire cost of replacing those priceless collectibles.

Are you a music instrument seller?

If you own a music instrument shop where you showcase a host of musical instruments, then also you need a standalone insurance plan. A shop houses many valuable musical instruments. Your policy will protect the belongings against any financial loss in case of an accident. Plus, you often ship the gears to the buyers. What if it goes missing the transit? What if it gets damaged while being transferred to another city? It is where a musical instrument cover comes to your rescue.

Get financially safe

Probably, now it is pretty much clear to you who should opt for dedicated music instrument insurance. Isn’t it? So before it's the time to break your bank owing to an accident that happened to damage your musical instrument, get an insurance cover.

Finding an insurance provider who deals with instrument-specific insurance policies is not a hard nut to crack. However, you need to be very careful while choosing one of them. The reason is pretty obvious. Although most of them will claim to be the best service provider, that might not be the case with all of them. So, you should go for an insurance company that you think would be able to meet your requirements and budget.

Some of the most crucial things you need to count on while choosing an insurance provider are -

●        The range of products they offer

●        The level of transparency they keep while discussing various plans and terms and conditions

●        If or not they are licensed and hold all the relevant credentials

●        If or not they offer what you are looking for

Considering the above-mentioned pointers will help you find a reliable service provider and customized insurance for your musical instruments.

Points to Keep in Mind While Choosing Flute Instrument Insurance

The flute is considered one of the trickiest musical instruments that have a steep learning curve. However, once you become an expert, a Flute has the power to create melodies that can easily soothe anyone’s soul. Not to mention, it can also be used to uplift the mood of an entire track and make it more pleasing for the audience.

In saying that, however, the flute is not an inexpensive instrument. If you own a professional flute, you already know what we’re talking about. That’s why it’s always advised to buy Flute Insurance and cover your instrument against theft as well as physical damage.

While buying an insurance plan for a flute can be beneficial in many ways, it is important to choose a plan that best caters to your needs. So, in this guide, we’re going to walk you through different points that you must remember while choosing a Flute Instrument insurance plan.

So, whether you are a hobbyist flutist or play it professionally, continue reading, the following guide will help you choose the best insurance plan for the instrument.   

1. Coverage for Variety of Risks

First and foremost, make sure that the insurance plan provides basic coverage against a wide variety of risks. Usually, these risks include theft and physical damage (due to natural disasters like fire outbreak) while the instrument was in your possession, i.e., inside your home or music studio. If you already have a music studio insurance, check if it also covers your musical instruments or not. In this case, you might not need to buy separate flute instrument insurance.

2.  Coverage against Accidental Damage

Usually, when you plan to buy an insurance plan for flute, it is important to ensure that it provides accidental coverage as well. Since a flute is an extremely fragile music instrument, it is natural that it can break during an unexpected accident. In such a scenario, your insurance plan should cover the repairing cost so that you can get it repaired without burning a hole in your pocket. So, make sure to choose an insurance plan that also provides coverage against accidental damage.

3. Coverage against Transit Theft or Damage

If you perform in a music band, you’re most likely to travel overseas for tours and performances. In this case, it is imperative to choose flute insurance that provides coverage if the flute gets damaged or stolen in a different country. It is worth noting neither that nor every insurance plan will provide transit coverage. So, make sure to read the terms & conditions of your insurance plan to ensure that it cover your flute in every corner of the world.

4. Don’t Be in a Rush

Finally, always remember to not buy the first insurance plan that you stumble upon on the Internet. Take your time and compare different insurance plans to cherry-pick the one that best suits your needs. It is also a wise strategy to talk to the company representative and ask them about their packages and coverage that they provide. Once you’re absolutely sure that the insurance plan will cover you in every unexpected situation, proceed towards making the final payment.

Conclusion

We hope that the above guide helped you understand the right tricks to get your flute insured with the right insurance plan. It doesn’t matter if you’ve just joined a music band or have been playing professionally for years, buying flute instrument insurance will be the wisest investment you’ll make in your career. So, follow the above-mentioned tips and choose the best insurance plan as per your requirements.

Why You Should Insure Your Piano Instrument?

Piano’s contribution to classical and contemporary music is unmatched. Moreover, playing the piano brings a host of mental and physical benefits to you. And, what do you do to protect your keyboard? While cleaning, repairing, and maintenance are essential, PianoInsurance makes your checklist for piano care complete. 

Originated in the form of the harpsichord in the early years of the 18th Century, this keyboard-based gear has undergone many alterations in designs and configurations, such as upright piano, grand piano, digital pianos, hybrid pianos, and synthesizers, since then. So, which form of harpsichord do you play/own? Regardless of that, the one thing that you should never overlook is getting specialized musical instrument insurance for your piano.

Why do you need a gear-specific insurance policy?

Most people usually have homeowners’ cover. So, they believe that everything they have listed in the belongings-to-be-covered part of their insurance policy is safe and protected from the unwanted dangers. Do you also think alike? Well, although homeowners’ cover or renters' insurance policy does cover your belongings, there are some catches that most of us often fail to understand. So, if you have chosen to insure your keyboard under your renters’ or homeowners’ insurance policy, you should read this content for sure.

Yes, insurance policies, such as homeowners’ or renters’ cover include your belongings; you must understand the limitations and risks associated with such arrangements.

●        Firstly, your home insurance policy will only cover up to a defined amount of your musical instruments.

●        Secondly, it will cover only limited events of accidental damage.

●        Thirdly, you are most likely to buy a rider on your existing insurance plan, in case your musical instruments are expensive.

Although these are some of the many limitations associated with your homeowners’ or renters’ cover, these are enough to let you break your bank in case of an event of a loss. Therefore, it is always rewarding to get a standalone musical instrument plan to shield your piano. Probably, nobody knows how much your beloved piano means to you, and, of course, the amount you have shelled out to buy it other than you. Isn't it? Therefore, find a good insurance provider that offers insurance-specific insurance plans and protect your musical instrument.

How will a gear-specific insurance policy protect your piano?

It protects you from loss and damage due to a host of factors.

If you buy a piano-specific insurance plan for your keyboard, you protect it, as well as, your finances against damage or loss due to a number of accidents, including - theft, flood, fire, earthquake, accidental breakage, misplaced gears, and other such events.

It ensures the proper valuation of your instruments.

One of the most important aspects of having a Piano Insurance is, it is most likely to provide you with a higher amount for your instrument in comparison to your homeowners’ insurance plan.

It protects you from public liability cases

And, public liability? How can you forget that? Let’s suppose- you are moving from one place to the other, or you have a concert outside your state and you have to take your piano with you. What if someone else got injured due to your musical instrument during the transit?

It is quite clear that the third party will consider you to be at fault. And, perhaps you are aware of the financial consequences when you are held responsible for someone else’s loss besides the hassles of being on the wrong side of a lawsuit. However, having an insurance cover safeguards you from the financial consequences that can impact your financial planning and livelihood.

Therefore, before a stroke of misfortune paralyzes your career as a musician, make sure to insure your piano under a suitable musical instrument policy and take a sigh of relief from the unforeseen.

Scenario to Help You Understand the Importance of Piccolo Insurance

 

You: Look! What I got! A brand new piccolo!

Friend: Wow! Your piccolo is magnificent. Did you get Piccolo Insurance for it?

You: Why on the earth do I need an insurance policy for my flute?

Friend: Because it’s necessary. Cases of musical instrument theft are not new. Then, there are other perils, as well.

You: Listen, I have a decent amount of homeowners’ insurance. So, I don’t need one. Plus, why would anyone steal my piccolo? Relax buddy!

Friend: But, then, your homeowners’ policy might not be enough as there are many if and buts associated. And, I read about piccolo theft recently, buddy.

Imagine it was the conversation you had with your friend before you got back home. Hardly did you know that the moment you’d settle on your couch and start leafing through the newspaper, you will get shocked on seeing -

“A Piccolo Worth $4000 Got Stolen From a Noted Music School!”

“Man Arrested for Burglarizing a Piccolo Worth $42, 000 From a Bar!”

Reality is no different!

Although it was a hypothetical situation just for explanation, dear reader, news like these do make headlines of many esteemed dailies quite often. So, your friend was right. You should get a dedicated music instrument insurance cover for your piccolo.

Confusions over homeowners’ insurance and protection for musical gears!

My homeowners’ policy says it does cover the musical instruments I added to the to-be-insured list. What does that mean then?

Well, your homeowners’ insurance is right. It covers the belongings you wanted to get insured. However, it has certain limitations that you should not forget. Also, it is crucial to make sure that you read all policy-related documents carefully before assuming just anything out of your mind. Here some of the most common scenarios that your homeowners’ insurance plan is very less likely to cover-

Instrument breakage!

An average homeowners’ insurance policy is less likely to cover any damage due to breakage to your musical instruments.

Any mishap outside your home!

And, if something tragic happens to your piccolo outside your home (the insured premises), you are not likely to get any insurance protection.

Instruments used for commercial purposes!

Let us assume that you play for the public once in a while and earn from that. One day, you found that your piccolo has gone missing from your car. The moment you found this out, you called the homeowners’ insurance company to file a claim, and a claim adjuster had a word with you about the mishap.

As you perform for money, even if occasionally, you use your piccolo for commercial purposes. Therefore, your homeowners’ insurance policy will not cover it any longer. These are the words the claim adjuster is very likely to tell you once you report the claim that he/she comes to know that you play for money, no matter even for once or for $10 only.

Get separate musical instrument insurance, it’s crucial!

Like your car or your health are valuable, and you need separate policies for your motor vehicle and health, buying standalone Piccolo Insurance is also vital.

Get an insurance plan for your piccolo now!

Now that you have understood why every music instrument owner (no matter if he/she is a musician, a shop owner, a music teacher, or collector) needs to buy a standalone insurance policy for his/her musical instrument, find a reliable insurance company and ensure your piccolo before it's too late.

Music insurance companies are many. Make sure to choose one that offers instrument-specific, specialized, and custom-tailored insurance cover against damage, loss, theft, and other perils. Also, choose a company that has a solid background in the industry.