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.
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