Some Reasons to Consider Specialized Bassoon Insurance Cover

Do you own a bassoon? After a lot of brainstorming, did you decide to insure it? Are you confused between your home insurance and a specialized musical instrument insurance plan? If you want to stick to your home insurance, consider reading the following pointers:

●    Maximum coverage value: Most home insurance policies are likely to cover your bassoon up to a limited maximum coverage value, for example - $2000. If your woodwind is valued more than the given amount (as per your home insurance policy), it would be wise to consider a specialized musical instrument insurance plan. 

●    Paid performances: A majority of home insurance plans are least likely to cover musical gear if you have been using it for paid performances. Any paid performance would be considered as business or commercial use. So, if a loss or damage occurs at a paid event, your home insurance policy will not pay for it. However, musical instrument insurance plans cover professional, casual, business, and commercial use.

●    Flood damage: Did you know - your home insurance is less likely to protect your bassoon against flood damage? Yes, until and unless you have got a dedicated flood insurance plan covering your personal belongings, your musical instruments remain uncovered. However, musical instrument plans available with leading music insurance companies cover flood damage.

●    Wide range of perils: A dedicated Bassoon Insurance plan will cover a wide range of perils that are often left without coverage with home insurance, including cracking, falling, and accidental damages. However, a home insurance plan will not cover any damage or loss to your bassoon due to dropping, falling, or similar accidents. Every claim is properly scrutinized by an insurance company claim representative to ensure comprehensive coverage under a dedicated policy.

●    Agreed value cover: A specialized musical instrument protection plan with most reputed companies will offer agreed value coverage for your gears. However, your home insurance policy is likely to provide actual cash value (i.e., the replacement cost minus depreciation). In general, musical instruments, when in good shape, have negligible or no depreciation. So, make sure to get the details beforehand.

●    Public liability coverage: Did you ask your home insurance provider - what if your instrument is involved in a public liability scenario? Will it provide you coverage against such liabilities? Well, in most cases, home insurance policies are less likely to cover any public liability cases, minor or major, involving your musical instruments. However, a Bassoon Insurance plan will cover public liabilities. The best part - it will cover you against all expenses claimed by the third party following an accident, including legal and medical costs.

●    Loss of income: In a situation of loss of income after an accident involving your bassoon, your home insurance plan would be of no use. However, a specialized musical instrument plan from a reliable insurance company also covers loss of income until you resume working, or as mentioned in your policy copy.

●    Accessory cover: Your home insurance will not cover the related accessories. However, a musical instrument insurance plan also covers accessories. It is an added advantage for musicians. Isn't it?

Some words to reconsider!

After going through the above pointers, do you still want to go with your home insurance policy, or are you willing to buy a comprehensive Bassoon Insurance plan?

Dear reader, irrespective of what position you hold in the music industry as a musician or what profession you are into, a teacher, a dealer, a collector, dedicated musical instruments insurance policies have something for everyone. And that something is the fine line between mental and financial peace and mountains of financial burden. So, what do you want? It is all up to you.

Benefits to Insure Oboe Instrument with a specialized Musical Insurance Company

Answer this simple question.

Will you go looking for a car that you want to buy at a departmental store? Or will you visit a premium car dealership to buy a health insurance plan? No. Right? Then why cover your beloved oboe under your home insurance when you have some of the best music insurance companies in your state? Why go for partial cover when you can choose from a range of standalone musical instrument insurance policies?

Musical instruments, regardless of their families and types, are delicately crafted. Most importantly, they are likely to cost several thousand and million dollars. Like you do not want to take a chance with your properties, health, motor car, and other prized possessions, being a music lover, you should not take your musical instrument for granted as well. There are tons of reasons why you need an instrument-specific insurance plan from a reliable musical insurance company. Here are the benefits of insuring your oboe with a specialized musical insurance company.

Experience matters!

A specialized musical instrument insurance company has the expertise to provide you with the appropriate advice when it comes to buying an Oboe Insurance policy. They have years of experience in dealing with cases around musical instruments. They know how musical instrument owners are attached to their gears. So, apart from the financial value, they also understand the emotional weightage of the musical instruments to their owners. Therefore, they can help you with the right policy. As far as the financial value is concerned, you will get much more comprehensive coverage with a musical instrument company in comparison to your home insurance plan.

Claim settlement is easy as a breeze.

Claim settlement is another factor that is convenient with an experienced musical instrument insurance provider. As they have been dealing with similar claims for years, they know how to handle it in a way that you get the compensation in its best possible value at the earliest. However, if you choose a home insurance provider, claim settlement is likely to come with a lot of ups and downs. Most importantly, you are less likely to get the desired value for making your claim with a home insurance provider. Therefore, going for a specialized Oboe Insurance is always a great idea and industry experts welcome it.

Wide range of coverage

When you buy an insurance plan, no matter what it is for, you make sure to understand what all is covered under the same. Right? It gives you an idea about how a particular plan can help you in your time of need. Let us take a look at the scenarios that a standard musical instrument insurance plan with a reputed insurer covers:

●    Accidental damage to your gear
●    All types of musical instruments and accessories
●    Fire, both natural and staged
●    Flood and water damage
●    Thunderstorm
●    Heavy rain
●    Theft
●    Vandalism
●    Robbery
●    Transportation damage
●    Public liability cover
●    Worldwide cover
●    Loss of income

These are some of the most common scenarios that a specialized music instrument plan covers. Hopefully, you are quite impressed with the list.

Qualities of a reliable musical gear insurance provider

Although you will get to choose from a number of music insurance companies operating in the market, not everyone can live up to your insurance requirements and expectations. Therefore, you should be careful before zeroing in on any one of them. Some of the crucial aspects that you need to consider includes:

●    Years of operation
●    Valid license
●    Certifications and memberships with relevant authorities
●    Client testimonials
●    Terms and conditions, to mention a few

Having an idea about these credentials will help you choose one of the best service providers.

Common Real-Life Scenarios Requiring Clarinet Insurance

A clarinet needs a case for protection from the known bodily damages like falls, scratches, water spillage, etc. Similarly, it also needs protection from the unforeseen damages that might be waiting somewhere in the blue. Having said that, musical instruments are delicate and can break down at any point in time. Needless to mention but the repairs and replacements can be expensive too.

Besides breakdowns and all, there are tons of many other problems that can arise surrounding your clarinet that we will discuss later on. And the best way to protect your gear and finances from all unexpected ordeals is to get a Clarinet Insurance plan from a reputed company.

So, let's take a look at the issues that can arise and how a dedicated musical instrument insurance policy can help you cope with them without risking your finances.

You may lose or misplace your clarinet.

In the event of instrument loss, your standalone musical insurance policy will cover you, no matter where the accident has happened. However, if you rely on your home or renters insurance plan, the chances are you have to pay out of pocket to buy a new clarinet. So, it is always wise to get an all-encompassing cover for your musical instruments.

You may accidentally damage your clarinet.

If you damage your gear accidentally, your home insurance is less likely to cover you. However, a musical instrument insurance plan from a reliable insurance provider will protect you, regardless of the type of accident. 

Your gear may suffer damage or complete loss during transportation.

If you are moving to another state or city or are traveling for a grand concert in another part of the world, it is pretty sure that you will carry your clarinet and other music support systems along. Right? And, you are less likely to keep everything, your entire musical paraphernalia, with you. So, hiring transportation services is the best thing you can do. However, risks are always there. What if the transportation service provider damaged your gears? What if they have misplaced your clarinet? In such cases, your Clarinet Insurance will come in handy to protect you. However, you are less likely to get this broad coverage with your home insurance plan.

Another thing with musical instrument insurance plans is, as you can see, it offers worldwide protection. So, irrespective of the place where the accident has taken place, it will protect you, unlike home insurance.

You may injure a third party at your concert or music recording studio.

Third-party accidents are common. Suppose you are a music teacher. You went to a student's house, where you accidentally broke an antique piece worth several thousand dollars or, say, damaged a super-expensive artifact. The parents of the students got angry and asked you to pay for the loss. Don't worry. If you have a dedicated musical instrument insurance plan, it will pay on your behalf. However, your home insurance plan is less likely to work in such critical scenarios.

You may suffer a loss of income.

There can be scenarios where due to an accident you are not able to perform and earn, leading to loss of income. In such cases, your musical instrument insurance plan will cover you as well.

Finally!

After going through the problems that can arise on the way and how a standalone insurance plan can protect you against those now, you have probably understood the importance of a musical instrument insurance plan. So, before making any more delays, you should get your insurance copy at the earliest. Search online or seek word-of-the-mouth recommendations to find one of the best musical instrument insurance providers in your state.

Why Choose Insurance Company for Flute Instrument?

Why choose a specialist insurer when your home insurance plan already covers your flute? It is one of the most commonly asked questions, and people ask this for obvious reasons. First of all, they are mostly unaware of the pros and cons of home insurance in light of musical instruments. Secondly, they are happy with their home insurance policy.

Probably, you too have similar questions in your mind. No worries! Going through this content will help you through the queries and help you choose a reliable Flute Insurance provider.

Picture this!

Danny owns a home insurance policy and also a musical instrument. So, he decided to include his gear under his home insurance and bought an add-on.

Everything was going fine. And, he was enjoying playing the woodwind and enticing his friends and family with his newly-learned art. However, one fine day, when he was looking forward to a local music gig where he will be performing as the lead flutist, an accident happened. 

While going to the concert venue for final rehearsals, Danny met with an accident. Fortunately, he escaped it safely. However, unfortunately, his gear could not make it to the venue because it got damaged due to the impact.

A reply that broke Danny from within

Danny immediately gave a call to the home insurance provider to report the accident. However, what they told shook him from inside. The agent told him, "as your flute was damaged in a road accident that does not come under the boundaries of the insured property (your home), we are sorry but we cannot cover this accident. Plus, you were using your flute for commercial purposes. Your home insurance will not cover any professional use."

He was taken aback by the response of the insurance provider's representative and felt like nothing to do and nowhere to go, and everything in between!

Dear Reader, the above situation, although hypothetical, can become a real one at any point in time. And if you like Danny and have not purchased dedicated Flute Insurance from a reputed musical instrument insurance provider yet, a similar or even worse scenario might ruin your musical career.

An insurance provider who specifically deals in insuring musical instruments makes the best choice when buying insurance for your woodwind. Here are some of the main reasons:

Easy claim settlement with no room for delay

A musical instrument insurance service provider understands your feelings about your musical gear. They know your flute is the most valuable thing for you and how much you love it. So, in case of a claim, they will make sure that you get the best possible compensation and at the earliest. However, you are less likely to get this level of coverage with your home or renter insurance plan.

All risks cover under one plan

A musical instrument insurance provider covers your gear against all possible risks, including fire, flood, earthquake, thunderstorm, rain, theft, to name some, so that you can rest assured and focus on music. However, your homeowner is less likely to provide comprehensive coverage against all this.

Accidental damage cover

Your specialized flute protection plan from a music insurance company will ensure that you get cover for accidental damages to your flute. However, your home insurance policy is least likely to compensate for any accidental damage. So, it is better to choose comprehensive coverage over an incomplete one.

Worldwide cover

It is one of the best parts of a musical instrument insurance plan because it covers you worldwide. So, no matter where on the planet you are, you know that your musical gears are safe and protected.

Are you ready to get your copy now?