Do You Have Sufficient Guitar Insurance Cover?

 

Picture this - After an incredible honky-tonk gig at a town located on the outskirts of your city, you wrapped up everything to drive back home and switch to your usual 9-to-5 avatar. As you guys drove all night, by the time the clock said 6 AM, you needed fuel for your car and breakfast for your tummies. What happened next was an expensive lesson, indeed!

You were happy and relaxed as everything went so well and the breakfast was so tasty. However, this phase of post-gig fun almost ended up, unexpectedly, when you saw your vehicle wide open. OMG! A lot of gears were missing, including your super-pricey guitar!!! Didn't you lock the car? Well, you may have locked it, but the miscreants know how to by-pass it. No wonder thousands of musical instrument thefts are reported every year.

Get the right insurance coverage!

To ensure that your investments are safe from such uncertainties, instrument-specific insurance policies, such as Guitar Insurance, piccolo insurance, violin insurance, among others, make the best resort.

Incidences of gear theft and loss or damage are some of the most common stories that musicians discuss among themselves. Sometimes, these cases are so deep-impacting that can lead you to the doors of financial and professional setbacks. This is where standalone musical instrument insurance comes into play to safeguard your profession and hard-earned money.

Stay insured, rest assured!

With adequate musical instrument insurance cover and the guidance of a well-known and reliable insurance provider, the picture after a loss or damage is completely the other way round. With sufficient protection from theft, loss, and damage, easy claim settlement, and impeccable customer service, you can rest assured.

You might be wondering that there are tons of different types of plans and hundreds of insurance providers in the market. So, how can you make the best pick? Right?

Don't worry, we have got your back covered.

Reading through this blog will help you choose the right insurance policy as well as an insurance provider.

The right policy comes with the right insurer!

One of the most important things we often miss out on is - you can always find the right protection plan for your gears. However, finding the most suitable insurance provider could be a challenge in itself.

Until and unless your insurer is good, no matter how much cover a policy promises, you will not find peace of mind. Therefore, apart from looking for, say, the best Guitar Insurance plan, you should also focus on finding an insurance service provider that worths its salts.

Insurance provider - what qualities should you look for?

Allows policy customization

Different people have different priorities when it comes to protecting their musical instruments. Therefore, a customer-oriented insurance provider always makes sure that the expectations and requirements of its customers are successfully met, every time. And to ensure that same, they offer policy customization options. This option will help you tailor your policy according to your needs.

Covers you regardless of your profession

A person or people who own musical instruments is somehow connected to the world of music. However, their proficiency levels might be different. Some can be beginners or amateur artists, while others can be professionals or touring artists. Some might give guitar lessons, while some can be music shops or recording studio owners. A reliable insurance service provider understands that anyone who owns musical instruments needs insurance. Therefore, they cover almost all professions related to music and musical instruments.

Offers range and affordability

If you are wondering about the cost of premiums because you have heard being said that instrument-specific plans are expensive, you can take a sigh of relief. The reason - customer-friendly insurance companies offer affordable premiums.

Offers seamless customer services

Are you buying a standalone policy for gear for the first time? Do you have any doubts in your mind? A good insurance company will help you through the entire process of buying a plan in a step-by-step manner. It will make your policy purchase easy and hassle-free.

The bottom-line

Read customer reviews, look for word-of-mouth recommendations, and choose the right insurance provider and policy to stay protected.

 

What Type Of Studio Cover You Need?

 

Music, be it a source of livelihood or passion, needs you to be devoted to it. However, do you know what is common in both scenarios - being a pro and just-a-hobbyist? Your musical instruments. Isn’t it? And, in case you own a music recording studio, then your belongings go way beyond only musical instruments. Then you have to take care of an entire facility that houses recording gears, musical equipment, woodwinds, strings, keyboards, mixing desk, mic, sound system, and what-not. Right? Is your music recording studio safe from the unforeseen perils? Do you have enough Studio Cover?

 

Your studio. Your Investment. Protect it wisely

If you play musical instruments or record music on a professional level, needless to mention, but there is a lot of time, money, and effort involved. Even if you have a tiny home studio, it can contain several thousands of investments that you have done over the years. While you would never want to think of the ugly consequences of mishaps that can break your business, no one actually does. Disasters do strike. Therefore, it makes sense to secure your investments from all possible uncertainties that life can pour on you cold-heartedly. But how can you do that? With the help of a padlock? Well, not exactly a padlock, but kind of. You can secure your recording studio by getting a standalone studio coverage for your den.

 

Why not your home insurance?

 

When it comes to insurance policies, these are all about covering risks. So, an insurance service provider should be capable of understanding the range of risks you, the policyholder, can come across. If they do not understand the same, they will not be able to cover you properly.

So, now come to the main point, why not your home insurance? It is because such insurance plans are fabricated to protect the perils that your home's building can face, not to protect the home studio that you use commercially. Yes, your home insurance policy can cover your musical instruments up to some extent in some cases. However, that extent is very less likely to help you.

 

What type of cover do you need?

Now let's find out the type of covers you can choose from. Understanding it will help you choose the right policy for your recording studio.

With a customer-friendly insurance service provider, you are likely to avail the following features and coverage options. Take a look -

All-risk cover - It ensures that your music recording studio and its content is safe from all possible risks. It includes - fire, flood, rainfall, theft, robbery, and thunderstorm among others.

Worldwide cover - Being a professional musician means traveling would always be there on the cards. Right? Having this cover ensures that your gears and equipment and your finances are safe, no matter where you go.

Third-party liability - It is one of the most important covers that you should never ever ignore. It protects you from a number of financial hassles, including - lawsuits, paying for medical bills for someone else, and so on. What happens is - if any other person or his or her property is damaged or lost because of your musical instrument, you are likely to be liable for the situation. Therefore, you will have to take care of all the expenses. However, when you have the third-party cover, your insurance provider will take care of everything and you will not have to shell out even a single penny.

Borrowed instrument cover - In case you have borrowed a piece of musical equipment and it is damaged or stolen, then also some musical insurance policies ensure coverage. However, the terms and conditions might vary from one service provider to the other. So, it would be wise to seek assistance from your insurance provider and clear your doubts in the first place.

So, these are some of the many features that you are likely to get with your Studio Cover. Why wait? Get your plan now!

How to Protect Your Instruments This Hurricane Season

Owning a musical instrument is one of the most significant investments you can make. Depending on the material it is constructed from, the year it was manufactured, the previous owner's identity, and even its rarity, a musical instrument can end up being worth a lot of money. To help protect your investment, proper instrument protection and care are essential for any dedicated musician or collector. 

Ensuring that their musical instruments are safe and secure from the weather, and natural disasters, is a common concern amongst instrument owners worldwide. Hurricanes and storms are two of the most damagingand common events that can ruin your musical instruments. 

Thankfully, we've created this brief guide to help you stay protected. Read on as we cover everything you need to know about protecting your instrument during this hurricane season.

Tips toKeep Your Instruments Protected

While each musical instrument may require specific procedures and care, some tips can apply to all instruments – essential information that every musical instrument owner should keep in mind. To prolong your musical instrument's life and save on maintenance and repair costs, you should keep it clean and free of dust and debris, as well as storing it away from humidity, heat, and direct sunlight.

However, during hurricane season, you need to be even more alert as extreme weather conditions canirreversibly damage your musical instruments. Tropical storms and hurricanes can cause flooding and extensive damage to your property, and as a result, your musical instruments as well. The number one factor that can affect your instruments during a storm season is moisture, so you must do everything you can to protect them against it. 

So, the first thing you should do to protect your musical instrument during hurricane season is to make sure you store it in a protective hard case,and away from moisture,when you are not using it. Also, always ensure that you have closed and secured your case correctly. Be sure to periodically check your case for any gaps or holes where water can enter, and replace or repair your case as soon as you spot the slightest sign of damage.

Another thing that can save your musical instrument in the event of flooding caused by a hurricane is placing it somewhere elevated off the ground, like on a high shelf. You should also keep it away from places inside your home that could potentially leak during a storm. 

Since humidity can affect your instrument, it would be wise to invest in both a hygrometer and a dehumidifier. The hygrometer will measure the level of humidity in air, and the dehumidifier will help you adjust humidity inside your home when the level rises. 

Moreover, during a hurricane or storm, there is also the danger of heavy objects inside your home falling down or even entire sections of your home collapsing. As such, storing your musical instruments away from heavy items in your home is another good practice you should consider. 

Get Comprehensive Coverage

Unfortunately, sometimes even taking these precautions won't be enough to protect your instruments. Things can rapidly get out of hand during high-risk hurricane seasons, so the best thing you can do to make sure your musical instrument stays protected is by insuring your investment. Comprehensive and customizable coverage from Clarion Associates is here to protect you and your musical instruments from almost anything life can throw at you.

At Clarion, we offer you the protection you need, so that you can work on your music rather than worrying about your instrument. We have developed unique, customizable policies specifically designed for musical instrument owners, with features and benefits you won't find anywhere else, including comprehensive coverage against damages from extreme weather conditions and events.

Get Clarion Insurance

Regardless if you're an aspiring artist, a seasoned musician, or even an instrument collector, Clarion Associates has a solution for you. Our policies are designed to be as flexible as possible while still providing the protection you need to give you the peace of mind you deserve.

At Clarion Associates, we have over 50 years of insurance industry experience. We have spent the last quarter-century focusing our efforts on insuring musical instruments for thousands of musicians worldwide. Contact us for a quote today, and see for yourself why we've been endorsed and recognized by some of the world's leading musical associations thanks to our comprehensive, customizable coverage.

What Are The Costs And Benefits Of Getting Musical Instrument Insurance?

 

Getting musical instrument insurance may feel like an unnecessary luxury to some, but the reality is quite different. Musical instruments can cost a significant amount of money, and repairing them or replacing them can be rather costly as well.

As a musician, you probably consider your musical instrument to be one of your most prized possessions. You value the time and effort put into finding the perfect musical instrument, and you value the money you spent on it. The thought of it getting damaged or lost is a nightmare – especially if you depend on your musical instrument to earn a living.

No matter how careful you might be when it comes to your instrument's protection, life doesn't always go as planned. When things do go wrong, having musical instrument insurancecan help you get back to playing your music and further honing your craft much sooner. 

The Pros and the Cons of Getting Musical Instrument Insurance

Not everyone who owns musical instruments thinks they need to insure them. For example, if you own a violin or viola that primarily acts as a display piece rather than something you play, you may assume that musical instrument insurance is not needed. However, accidents can still occur inside your home, and those valuable or cherished instruments need to be protected.

For professional musicians who depend on their music to make a living, getting specialized insurance for their instruments is necessary. While proper instrument care is essential, it will not guarantee that your valuable musical instrument will last forever. Accidents, theft, and other things that can damage or destroy your precious instrument happen all the time, whether in the safety of your home or on the road. Repairing it or buying a new instrument out-of-pocket can be quite expensive, time-consuming, and stressful.

Musical instrument insurance will save you a lot of trouble and expense, as it offers coverage for both repairing and replacing your damaged, lost, or stolen instruments. If you are a collector of rare, expensive, or irreplaceable instruments, musical instrument insurance is essential for you. It will help cover both the cost of any repairs in case something goes wrong and any resulting depreciation in your instruments' value.

Why Get Clarion's Specialized Musical Instrument Insurance?

Getting musical instrument coverage as a part of your homeowners' insurance policy is an option for protecting your instruments, but it may not be the best one. In most cases, homeowners' insurance is inadequate, as it only covers damage from specific causes stipulated on your policy. These policies also typically only cover a small percentage of the insured instrument's value, meaning that your valuable instruments may receive insufficient protection, and having inadequate insurance is more or less like having none at all.

A specialized musical instrument insurance policy offers you the peace of mind you need, so you can focus on your music rather than worrying about the hassles of insurance. Clarion's specialized musical instrument insurance provides complete comprehensive coverage for all of your musical instruments and equipment. We have developed unique policies designed for owners of musical instruments and recording equipment. We have been serving musicians for more than 40 years, so you can rest assured that we understand your concerns and are committed to alleviating them.

We offer coverage for various factors, including professional usage, accidental breakage, and even earthquakes and floods. We also provide coverage for borrowed or replacement instruments, offer access to a nationwide dealer network, and even offer an option to keep any undamaged parts from your beloved musical instrument after repairs.

Conclusion

Taking good care of your musical instrument is essential if you want to prolong your instrument's life. Unfortunately, it won't necessarily mean that your instrument will last forever. The possibility of theft or loss is always present, and accidental damage can happen at any time.

While you can't predict accidents and other misfortunes, you certainly can be prepared. A good, trusted, specialized musical instrument insurance policy will save you a lot of money and time when things go wrong, and Clarion is here to provide it.

Our musical instrument insurance offers worldwide coverage and a wide range of unique features and benefits that have made us the number one choice for over 20,000 professionals, amateurs, collectors, symphonies, instrument sellers, and dealers. Contact us for a quote today, and find out for yourself why Clarion's musical instrument insurance is synonymous with instrument protection.