How to Buy the Right Viola Insurance? 5 Simple Steps to Follow

Owning a viola is an exciting investment that you can cherish as a lifelong treasure. It is of utmost importance that you take the greatest care of your instrument to keep it as safe as possible. But what if a disaster strikes and you end up losing it? Or maybe you’re playing comes to a halt as your wonderful instrument gets damaged accidentally. Scraping your pockets for extra cash to repair it or buy a new one will certainly not be a pleasant experience, right? Hence, insuring your viola is the best way to protect it against all potential risks and hazards, thereby keeping irreparable damage and high replacement costs at bay.

If you are wondering how to get the right viola insurance, the following 5 simple steps will be your savior.

1. Know Your Available Options

Start with identifying your options, which mostly depend on your level of expertise. If you are an amateur violist, your homeowner’s or rental insurance policy can come with an additional ‘viola coverage’ to shield your instrument from theft, fire, etc. inside the home. But it rarely accounts for the most dangerous threats that you may encounter during transit or at performances. Therefore, getting a dedicated insurance policy for your viola is always the safest choice as it covers the instrument both in and outside the home.

2. Understand Coverage Details

Once you decide on your required type of policy, focus on its features and benefits. Unlike a household insurance policy that covers all your possessions inside home, separate insurance safeguards your viola even when you are performing at another corner of the world. It works as a robust plan, which includes all possible repair and replacement coverage to ensure complete peace of mind for you. Typically, stand-alone insurance protects the instrument from theft, loss, fire, natural disasters (flood, wind, earthquake, etc.), accidental breakage, vandalism, perils in transit, and risks associated with unattended vehicles. It can also cover the accessories and equipment that come along with your instrument to help you fulfill your various playing obligations.

3. Get Your Insurance Appraisal

Next comes the appraisal process, which is known to be one of the most critical aspects of purchasing musical instrument insurance. It is important to get your viola evaluated by a professional viola maker to make sure that you are choosing the right policy for it. You can either ask for an appraisal while buying the instrument or get an estimate written out on the receipt later for the amount of the buying price. Otherwise, the replacement value of the instrument will be established based on its current condition as well as other necessary measurements. So, never sign an insurance contract without evaluating the worth of your instrument.

4. Find a Specialized Provider

Now, it is time to find the most reliable service provider, who specializes in musical instrument insurance. Do your own research and make a list of companies that have earned an excellent reputation in the marketplace for ensuring customer satisfaction. Some of the most common parameters that are used for sorting out the best instance provider include a variety of plans and programs, personalized policy options, affordable rates of premium, and brilliant service.

5. Request a Customized Quote

Finally, discuss your individual needs with the sorted insurance providers and ask for customized quotes from them. Comparing these quotes will help you seal the deal with the best company, which can offer you the right policy at the most competitive rate. Also, do not forget to go through all your policy papers thoroughly before signing the contract.

Isn’t getting viola insurance as easy as one-two-three? Just follow the steps and your precious instrument will be protected forever.