Don’t Let Your Finance Fall Apart - Get Musical Instruments Insurance

If you are a musician or a musical instrument owner, you might have come across a question plenty of times by now. And that's - do you have a dedicated insurance plan for your musical instruments? So, what is your answer in general?

●    You have your home insurance plan.
●    Or, you do not need an insurance plan for your gears.
●    Or, nothing will happen to your strings or woodwinds because you take good care of them and are quite careful with handling such delicate gears.

If your answer is more or less similar to any of these possible options, you should reconsider it and think again. Musical instruments without Musical Instruments Insurance can make you land up in grave financial troubles if unfortunately, an accident happens. And, you are never sure about unforeseen situations. Right? Therefore, without giving any second thought, start researching about dedicated insurance plans so that your gears remain protected and your finance is not distressed.

Musical instrument insurance plan - Why do you need one?

A dedicated insurance policy for musical equipment comes in handy in the following scenarios:

Damage, loss, or theft

●    If your woodwind, string, or any other type of musical instrument(s) is accidentally damaged, lost, or stolen, your insurance plan will cover it without making you pay out of pocket.

●    In case you need a replacement instrument, your policy will also take care of it.

●    Your musical instrument insurance plan will cover your gears no matter whether you are in your home or any other place, unlike your home insurance.

Accidents that may cripple your finances while you are playing live (public liability)

●    If you injure someone or damage his or her property while performing at a concert hall, your insurance policy will cover your public liability.

●    A majority of venues are most likely to ask you for your public liability cover to allow you to perform.

●    This cover will ensure that your bank balance is protected in every situation.

●    If you are a music teacher, then the public liability cover will ensure that you are safe if you are held responsible for giving wrong advice or showing negligence while teaching your student(s).

A word of caution: Like many other musical insurance owners refrain from assuming that your home insurance plan will protect your gears in the same way a musical instrument protection plan does. Make sure to do a comparative analysis between your home insurance and musical instrument insurance policy. Once you do it, you will understand that only relying on home insurance will not cover your musical gears comprehensively.

Who does a standalone insurance cover?

Many of you might wonder - Who musical instrument insurance protection policies are designed for? Well, when you choose a reliable and reputed insurance provider with years of experience in the industry, you can buy a dedicated plan if:

●    You are a DJ.
●    You are a music teacher.
●    You are a band.
●    You are a part of an orchestra.
●    You are a singer.
●    You are a musical instrument owner.
●    You are a music shop owner.
●    You are a collector.
●    You own a recording studio.
●    You are a musical instrument repairer or appraiser.

The Most Enticing Aspect - Worldwide Coverage

Do you think your home insurance will cover you if you are on a world music tour and your gear is damaged, lost, or stolen? Well, the answer is no. However, a dedicated Musical Instruments Insurance plan will cover your gears as well the accessories across the globe.

So, after learning all of this information about instrument-specific insurance plans, don’t you think you should get your copy right away? Hurry, go get your gears covered!

Piccolo Insurance - To Ensure Maximum Financial Stability

Do you even want to imagine your beloved piccolo being lost, stolen, or damaged right before your performance? Awful. Right? And, there is no need to mention but it is going to cost heavens to buy another one, regardless of your financial and professional standing. Because only you know the real value of the gear.

Things can take a bad turn if your instrument makes a significant part of your livelihood. What else can go wrong? Well, it's when you find that your home insurance (that you knew was protecting your gears from all the perils) is unlikely to help you with lost, stolen, or damaged gear, especially when the mishap took place outside your home. The situation can be horrifying and of course, financially back-breaking.

Why not insure your musical instruments separately?

Whether it is your home, your car, your health, or any such property, you go for a separate insurance plan to ensure complete coverage. Isn't it? Then why not insure your piccolo, as well? So, before any kind of accident happens, it would be wise to secure your woodwind under the right Piccolo Insurance.

What is stopping you from getting a dedicated cover?

Is it the price of the insurance plans? Many musical instrument owners refrain from investing in dedicated musical instrument insurance policies considering it to be an expensive affair. This is where they make the blunder.

If you also think alike and assume that nothing can ever happen to your musical gears, know, that accidents are always unpredictable. And having said that, musical instruments, regardless of the type, make, and prices, are sensitive and fragile and are susceptible to damage. Therefore, you need to be extra careful with these. And, only standalone insurance for musical instruments can ensure comprehensive protection.

Or, do you think your home insurance policy is enough? If you are one of those musical instrument owners who rely on their home insurance cover when it comes to musical gears. If yes, then you should learn one of the most important things - your home insurance policy, irrespective of the hefty insurance premiums you pay, has some limitations and caps the extent of coverage as far as musical equipment and instruments are concerned.

Musical instrument insurance for a wide range of coverage options

Piccolo Insurance taken from a reliable insurance company can be tailored according to your unique requirements. No wonder thousands of musical instrument owners have made sure to insure their gears. Instead of being in a constant state of fear and apprehension, it is better to get your piccolo insured. The best part is, with a reputed musical instrument insurance service provider you can cover a wide range of instruments, including flute, harp, guitar, bassoon, piano, to name a few.

There are different types of insurance coverage options for musicians and anyone with a musical instrument. It includes - instrument coverage (all-risk cover), public liability, loss of income, property insurance, workman's compensation insurance, personal injury, among others. So, if you are not sure about which option to choose from, you can talk to your insurance provider. They will help you choose the right set of options.

The right insurance provider, the right extent of coverage

When you have the right insurance coverage, you can be at peace of mind and concentrate on your music and hone your skills in an even better way. Choose an insurance provider carefully, as it can decide how well your policy comes to your rescue in the time of need. Also, with a reputed and customer-centric insurance company having years of experience, claim settlement is hassle-free and quick.

Reasons to Go for Oboe Instrument Insurance

Your oboe needs more than your homeowner's insurance cover. After reading this, you might be eager to know why it is so. Right? Well, what is your home insurance policy all about? It protects your property, i.e., your home and your possessions.

Remember, your home protection plan will cover only those belongings that are inside your home. So, if an accident happens to any enlisted item outside your home, it will not be covered. And the thing with musical instruments is, you will often take them outside. Isn't it? What if you misplace or damage it? The answer is pretty obvious - your home insurance plan will not be responsible, and your gear will remain uncovered.

So, what do you want - an insurance plan that offers insufficient cover or comprehensive cover? Get an Oboe Insurance for your gear for the ultimate financial freedom and peace of mind. It is just one reason you should get a separate insurance plan for your musical instruments and equipment. Reading through this piece of content will help you learn enough reasons why your oboe and other musical instruments require more than just a home insurance plan.

Home insurance and total cost of your oboe - the calculation

Musical instruments are expensive. What if your home insurance provider fails to cover the total cost of the musical instrument? Well, with most home insurance policies, this statement stands true. In such a scenario, your oboe will not have adequate cover. However, if you buy a dedicated musical instrument insurance plan, your gears will be completely covered, and your bank balance will be completely safe. 

Home insurance and accessories - Covers or not?

Musical instruments come with their related accessories and paraphernalia. What if you come to know that your home insurance includes only your gear and not the accessories? It’s true. Most home insurance policies do not cover the accessories. However, if you get comprehensive Oboe Insurance, it will cover the accessories, as well, including sheet music, cases, among others.

Home insurance and public liability cover - Possible or not?

Musicians, whether professional or amateur, often come in contact with a number of people. Be it a concert, music rehearsal, or a music recording studio, what if someone else is injured because of you? This kind of situation is known as a case of public liability. Things can go even worse and end up in a legal mess if the third-party files a compensation claim on you. It goes without saying that your home insurance plan will not come to your rescue at all. However, if you have an all-encompassing musical instrument insurance plan, you are safe from the hefty legal fees and related expenses.

Home insurance and worldwide coverage - the equation

Being in the profession of music, you might also travel a lot for various concerts and functions. Some trips might be local, while some might need you to travel overseas. Right? What if your musical instruments are damaged, misplaced, or stolen in a new country you have never been to before? Will your home insurance provide your gears with worldwide coverage? No, it will not. However, a dedicated musical gear protection plan with a reputable insurance company does offer worldwide coverage. So, you are sorted.

End your confusion!

These are a few of the many reasons why musicians should not overlook musical instrument insurance policy. If you are a musician or a musical instrument owner, then hopefully, now you have answers to all your confusions about if or not a standalone insurance plan is needed when you already have your home insurance in place. So, without making any more delays, get in touch with a reliable insurance company and get your oboe insured.

Flute Instrument Insurance and Its Coverages

Musical instruments are integral to a musician’s life and living. Hence, they go the extra mile to make sure that their musical gears and concerning accessories stay safe and protected. So, what kind of instrument do you play? If it is a flute, then you have come to the right page. Regardless of the years of professional experience and standing, every flute owner should have a dedicated insurance plan for his/her instrument in place. It ensures the complete safety of the gear against unexpected situations.

Still, relying on your home insurance?

Like many other musical instrument owners, if you consider your home insurance plan to be your savior in the tough times, you might be making a mistake. Yes, you heard it right. So, before we move on to what coverage options you are likely to get with a standalone Flute Insurance, let's find out how and when your home insurance does not come in handy.

●    Most home insurance plans are likely to have a limited extent of coverage for musical instruments with a number of ifs and but in the listicle. However, an instrument-specific plan covers it all.

●    When it comes to responding to an insurance claim, most home insurance plans will not show up or reply to your claim if you have been using your gear commercially. In such cases, they consider it as a professional or business use. So, if something happens to your flute during a paid performance, your home insurance is least likely to pay. However, Flute Insurance, with a reliable musical instrument insurance company, covers both casual, as well as, professional use.

Although many other reasons tell that only your home insurance is not enough to offer comprehensive coverage to your flute, the above-mentioned pointers say it all. Isn’t it?

Coverage options you get with a dedicated Flute Insurance

Now that you are aware of the limitations of your home insurance plan, let us have a look at the coverage options you are likely to get with a reputable and customer-oriented musical insurance instrument provider.

●    An instrument-specific insurance plan offers complete coverage to your flute, no matter whether you use it for professional or personal use. And, it is available at no extra expense.

●    You are most likely to get all-risk cover options when you choose a trustworthy insurance company.

●    Irrespective of where you are on the earth, your flute protection plan will continue to cover your gears. Yes, we are talking about worldwide coverage. It is especially a good thing for touring artists.

●    An added advantage of buying a dedicated insurance plan from a good insurance company is - you can tailor your policy according to your needs and budget. So you do not have to pay for a cover or a clause that you do not need.

What types of coverage are you likely to get with a dedicated insurance plan?

The types and extent of coverage might vary from one insurer to the other. However, the standard coverage you are likely to get might include the following:

All-peril cover: It means that your gears are protected against all risks. It includes - flood, earthquake, thunderstorm, rain, theft, vandalism, robbery, and accidental damages.

Public liability cover: It is one of the most important coverage options that all musicians and musical instrument holder’s must-have. As the name suggests, it protects you against public liabilities. And needless to mention, such liabilities associated with your professional can be very expensive and mentally draining.

These are two of the most critical coverage options you get with an all-encompassing insurance policy. So, do not wait anymore and get the best insurance protection plan for your musical instruments.