You simply cannot put a price tag on everything you have in life. Isn’t it? The same goes for your musical instruments. Yes, you shelled out a certain amount, a huge one, to be precise, to procure your viola. But you can’t define its importance in your life based just on how expensive it is. Can you? So, no matter if it is your first one or you have added another to your collection, your voila holds a very special place in your heart that is probably beyond any money. Right?
However, your love, care, and daily cleaning rituals are not enough to protect your much-loved instrument(s). So, how do you ensure that your viola is well-protected against the possible yet unexpected scenarios? Well, the answer is - by purchasing a Viola Insurance you can ensure that your gear is safe and secure and your finances are in place.
Some aspects to count in when buying a policy
When it comes to buying an insurance policy, there are some crucial aspects that you need to consider. These will help you choose the right cover with no room for discrepancies in the future. So, let us take a quick look at the pointers given below -
● Make sure to get your viola appraised before signing an insurance agreement. It will allow you to get the right extent of coverage. Most reputed musical instrument insurance providers agree with the same and ask their customers for music gear appraisal beforehand. It is for your good only.
● Devaluation is another vital aspect when buying an instrument-specific insurance plan. Always remember, the condition of your gear is a critical determinant of its value. Most importantly, a slight crack or dent can reduce the value (overall) of your instrument to a great extent. Therefore, it is highly advisable to get your viola repaired before asking for an appraisal.
● Your home insurance might not be the right choice for your musical instruments. There are a number of reasons behind the same. First of all, it will not provide a comprehensive cover. Secondly, it will not cover your gears outside your home. Thirdly, home insurance policies do not cover things that are used for commercial purposes. Fourthly, it will not provide worldwide cover to your gears. Do you need more reasons not to include your viola under your home insurance? So, go and buy a dedicated one right away.
Who is the right candidate for getting an insurance policy?
Everyone who owns a viola needs a separate Viola Insurance, regardless of his or her professional status - an amateur or professional. The reason - an insurance policy can cover a wide range of risks, including - fire, flood, hurricane, earthquake, rainfall, theft, and robbery, among others. Plus, you are likely to get worldwide coverage with a dedicated insurance policy for your viola.
Claim settlement is another critical side of insurance
With a reputed insurance provider, claim settlement is easy, especially if you have the right coverage. However, in order to make sure that you get what you deserve, you need to file the claim timely. So, if you damage or lose your instrument, it is important to get in touch with your insurance provider as soon as possible and tell them everything. It will ensure that you get the right compensation.
Do not overlook public liability cover
Accidents are sometimes inevitable. And, it can take a coarse turn if you are at fault and someone else is injured or his or her property has suffered any loss or damage. Such scenarios are known as public liabilities. However, if you have a comprehensive music instrument insurance policy, you are covered against public liabilities.
So, what are you waiting for? Find the best insurance company in your state and cover your viola under the most suitable insurance plan.
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