Every musician is protective about their gear, whether it is the guitar or the keyboard. When attending concerts, carrying your own guitar becomes mandatory for the musician, and there are a lot of emotions attached with the gear. What if hell breaks loose when you reach the venue? You lose your guitar, it gets damaged on the way or, worst still some people have decided to break your guitar as part of their damage causing mission. Now, there can be nothing worse than this for the musician, who cares too much for the gear.
Have you ever thought about all of this, when carrying your guitar for the various concerts?
Many of you go for the regular home owner's policy, which definitely covers some aspects of your guitar needs. But, have you ever questioned if the home owner's policy can match the expensive damage needs of your guitar? What will you do when stranded with a damaged guitar and no money in your pocket? If you haven't thought through these scenarios just yet, it's probably time you do it.
Ask yourself just the right questions on how will you get your guitar repaired or protect your guitar from adversities? Done asking, have you? So, you may have defined the pros and cons of having guitar insurance, and the pros might have outweighed the cons by now.
If your answer is, you should be buying guitar insurance here, are some points that will guide you through the purchase.
Evaluate your Needs
How can you purchase guitar insurance without really looking at what you need? The first exercise should be to evaluate your needs, and the insurance needs you have listed out for your gear. What is the budget you are planning for the insurance? How long do you think you need the insurance? Do you take your gear out often? If not, then you will need to check if your home owner's policy covers all your needs or, which policy will cover your basic studio insurance needs. Once you have defined your needs, you can look for the different insurance policies available.
How can you purchase guitar insurance without really looking at what you need? The first exercise should be to evaluate your needs, and the insurance needs you have listed out for your gear. What is the budget you are planning for the insurance? How long do you think you need the insurance? Do you take your gear out often? If not, then you will need to check if your home owner's policy covers all your needs or, which policy will cover your basic studio insurance needs. Once you have defined your needs, you can look for the different insurance policies available.
Look at the Policy Document Carefully
The policy document for the different guitar insurance providers differs, and you will need to read through these documents carefully, so that you don't miss out a single point. Understand what points are being covered in the insurance that your home owner's policy is not taking care of already. You will need to compare your needs with the insurance policy document, and find out if the needs are being fulfilled or not.
The policy document for the different guitar insurance providers differs, and you will need to read through these documents carefully, so that you don't miss out a single point. Understand what points are being covered in the insurance that your home owner's policy is not taking care of already. You will need to compare your needs with the insurance policy document, and find out if the needs are being fulfilled or not.
Don't miss out on comparing the home owner's policies with the policy document for the guitar insurance to know if the missed out points have been covered by the new policy.
Cost of Insurance
Post comparison of the policy documents, you will need to look at the cost of the insurance. The cost for a guitar insurance can be quite expensive, and the policy may or may not cover all the aspects. You will need to ensure you are paying for something that's absolutely worth the price. Compare quotes for the different providers, as some of them can offer discounts for the same policies. Close in on the one who offers the best price and seems reliable.
Post comparison of the policy documents, you will need to look at the cost of the insurance. The cost for a guitar insurance can be quite expensive, and the policy may or may not cover all the aspects. You will need to ensure you are paying for something that's absolutely worth the price. Compare quotes for the different providers, as some of them can offer discounts for the same policies. Close in on the one who offers the best price and seems reliable.
If you have a vintage guitar, the insurance policy will need to be customized for the same. ClarionINS offers complete support in enabling you to purchase the apt guitar insurance for your gear. Check out the policies and the different versions of the insurance to buy one for your gear.
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