Some Crucial Q&A on Music Equipment Insurance

Let us start with a simple question. If you are a musician or, say, a lead guitarist in a band, can you participate or perform in a musical gig without your musical equipment? Well, for most of you, the answer would be a big NO. Isn't it? Therefore, protecting your musical instruments can be a smart move to ensure you can keep playing to the best of your ability and earning at the same time.

Many musical instrument owners count on their home insurance or renters insurance plans if something unwanted happens to their gears. However, that is often an error they make.

The reason is - such insurance plans generally fail to offer complete coverage. In most cases, they only cover a little portion of the damage or cost of replacement.

You might gawk to learn that, sometimes home insurance or renters insurance may not cover any cost at all. Here, the reason is - you use your musical gear for paid performances. So, it is business equipment that home insurance policies do not cover.

How can you solve this issue while protecting your musical instruments?

To ensure the protection of your musical instruments, the best thing you can do is - buying a music equipment insurance plan. An instrument-specific policy offers comprehensive coverage.

So, if you have lost or damaged your equipment and need to replace it, your insurance plan will take care of it. All-encompassing policies available with leading insurance providers also cover the expenses of renting musical instruments to ensure that you do not lose your income while waiting for the new gear.

Who are the right candidates to buy musical instrument insurance plans?

Anyone who owns a musical instrument is eligible for a musical instrument insurance plan. Although not all-inclusive, here we have a list for you:

●    Musicians - full time or freelancers
●    Symphony musicians
●    Music recording studio owners
●    Music teachers
●    Music instrument collectors
●    Music instrument dealers
●    Musical instrument repairers
●    Musical instrument appraisers, etc.

What musical instruments do dedicate insurance policies cover?

As the name suggests, musical instrument insurance plans cover a range of musical gears and accessories. Although the list is not limited to the below-mentioned products, let us take a look at them:

●    All kinds of musical instruments, including woodwind family, keyboard family, string family, and others
●    Computers
●    All types of musical equipment cases
●    Audio equipment
●    Sheet music
●    Cables
●    Mixing desks
●    Stands

A point to remember - your home insurance plan (most home insurance policies), even if it covers your gears, will not cover musical accessories. However, a music equipment insurance plan covers accessories as well.

How much money do you need to shell out to buy a musical instrument insurance plan?

The cost of a musical instrument insurance plan is likely to vary, depending on various factors, including the extent of coverage you want, the insurance service provider you intend to choose, the terms and conditions of the plan, and the tenure of the policy you wish to choose, among others. However, whatever amount you may have to shell out, one thing is for sure. A musical instrument insurance plan is worth the investment, and you will never regret it after buying it.

What if you have rented your musical instrument to someone else?

Suppose you have given your gear on rent, and the borrower damages or loses it. Will your musical instrument insurance plan cover it? The good news is - YES. However, make sure to check this out with your insurance provider beforehand.

What perks do musical instrument insurance plans have for touring performers?

As a touring artist, you would want to confirm that your gears are safe and secure wherever you go. However, unfortunately, sometimes, things do not work the way we want them to. Yes, we are talking about accidents. These can happen anywhere and anytime. Sometimes, you cannot even avoid them.

What if your gear is damaged or stolen on the way or in a foreign country? Do not worry at all. There also, your musical instrument insurance plan has your back. With a comprehensive music equipment cover, you also get worldwide coverage. Plus, it also covers all sorts of transportation damage. So, don't you think it is a perk?

Musical Instrument Insurance Coverage for Professional Musicians

Musical instruments and related accessories can make you shell out a considerable amount of money ranging from a few hundred dollars to millions and even more. Besides the monetary value, musicians also form a special bond with their musical instruments. And they know that irrespective of their professional status, whether amateurs, professionals, students, or collectors, it is crucial to protect their high-valued musical instruments. They also know that their home insurance cover will not be enough to protect their gears no matter what.

Who is a professional musician?

When it comes to talking about the definition of a professional musician, it goes like this. A professional musician is a person who makes a living from musical instruments. They can be singers, music teachers, music composers, and similar job profile-holders. Also, because they receive financial compensation for playing their gears, such musical equipment or paraphernalia is deemed to be a business property. And, therefore, the home or renter insurance plan does not cover them.

Musicians who use their instruments routinely for paid performances domestically and intentionally or giving music lessons know they need insurance coverage. As collectors own unique, rare and super-expensive gears and accessories, they also need to protect their musical stuff from all types of unforeseen and possible perils. Professional musicians also need Musicians Coverage to protect their finances. If their musical instruments need repair or the musicians need to buy one, they should rely on a dedicated music instrument insurance plan. It helps them cover the replacement and buying costs.

Can you customize your coverage according to your requirements?

Do you know one of the best things with musical instrument insurance plans? You can customize them, provided your insurance provider allows the same. In most cases, customer-friendly insurance providers allow policy customization to policyholders. So, you can buy one according to your needs and preferences. 

What perks can you have in your court under musical instrument insurance?

●    A music instrument insurance plan for professional musicians should make sure to cover all risks. These include destruction, damage, or loss caused by fire, explosion, lightning, water damage, catastrophic elements of nature, crime-related damage or loss, such as robbery, theft, extortion, etc., transport-related damages, misplaced or mixed-ups, to mention some.

●    If you are looking for more extensive coverage, you may also check with your insurance provider if they cover cases of fraud, embezzlement, and cancelled gigs.

●    Some insurance plans may offer extended coverage to newly bought and borrowed musical gear. It means you are safe from all sides when you have the right insurance plan protecting you.

●    You can also ask your insurance provider about worldwide coverage. Many leading insurance providers also offer worldwide protection to musical instruments. It is a win-win clause under your Musicians Coverage plan.

●    Musical instrument policies for professionals may also offer coverage for loss or damage of gears at an appraisers or repairer's shop.

●    Commercial policies for musicians may also offer coverage against loss of income if their gear is damaged, lost, or stolen and they could not make it to their pre-scheduled gig. If you are looking for this option, make sure to get in touch with your insurance service provider beforehand.

●    Such insurance policies also cover the cases of professional or public liabilities. It is one of the most vital coverage options for pro musicians. As they are around people and vice-versa most of the time, the chances of getting involved in a case of public liability are almost always there. And if such an accident happens, it may lead them to the court dealing with lawsuits and medical bills of the third party.

Be wise. Be prepared. Have the right policy in place.

So, these are some of the amazing benefits that professionals, amateurs, and all kinds of musicians and music lovers are likely to get if they buy a dedicated musical instrument plan. Always remember one thing. It is always wise to be prepared to face unforeseen situations. Starting the preparations once the problem has hit does not make any sense. Right?

To buy the best insurance plan, all you need to do is - do your homework, research your options, understand your specific insurance needs, and then choose a plan depending on all the crucial aspects you factored in.

Guitar Instrument: The Journey from Origin to Innovations

Perhaps, you have been a guitar player for quite some time. Or, you are planning to learn this iconic string instrument. And before that, you are looking for some interesting facts about it like the origin of the guitar, innovations around it, world records, and similar details. Right? Great! You have come to the right page. In this blog, we have covered some must-know facts about the guitar. Hopefully, it will satiate your quest for knowledge. Let's get started!

Where did guitars come from?

Guitar-based music first came into being in the latter part of the 1800s. Spain was the place where these stringed instruments were first seen. In Spains, guitars replace vihuela, a lute-type musical instrument. Still (back then), guitars were deemed amateurish by heavy-weight performers. At that time, as they called it, Real Performers or Professional Musicians played the violin, flute, or piano.

When and how did the scene change?

However, this scenario changed in the early 1900s, or you can say in the late 19th century. It happened when maestros like Andrés Segovia and Franciso Tárrega fetched guitars from the down and out category and carried them into the band or orchestra. Segovia and Tárrega made these strings worthy by adapting them into the works of influential composers in the history of music like Mozart and Bach.

Soon, guitars broke all the boundaries of confinement of Classical and Baroque music and never saw back.

Were guitars rhythm instruments earlier?

Initially, guitars were regarded as rhythm musical instruments (to be precise). At that time, this musical instrument had to follow the singer (the key they were in). Not the vice-versa.

The virtuoso classical guitarist from Spain, Andrés Segovia, also motivated the musicians of the new generation, including Heitor to use guitar in their compositions.

Did you know the facts?

Did you know what added to the popularity of the guitar during that time? The cost and size of this guitar. This string instrument was more portable and less expensive than pianos. These were indeed some added advantages.

Also, do you know how many musicians play the guitar worldwide? There are a whopping 50 million guitarists across the globe. This figure includes bass, acoustic, and electric guitarists. A 2018 study says that as many as 50% of the budding guitar players are women.

Wow! Guitars were and are truly loved by all. Therefore, if you own this musical gear, make sure to protect it by getting a comprehensive Guitar Insurance plan.

The origin of guitars

Our lovely relationship with this string musical instrument is not very old. It was just 150 years back. Want to know more about its history? Here you go!

The word guitar finds its roots in the world's old language, 'Sanskrit'. The 'guitar' is an 'English' word, derived from a 'Spanish' word, 'Guitarra' (medieval lute). And, Guitarra dates even before that. There are many chordophones from places like central, south, or west Asia that come with a suffix, 'Tar'. In Sanskrit, the meaning of Tar is String. So, it is all related in that way.

Did you know the facts?

The oldest musical instrument resembling a guitar came from Mesopotamia and Egypt.

Around 3500 years ago, Har-Mose, a singer, was buried with a chordophone that had three strings.

This ancient guitar can be found in Cairo's Egyptian Museum.

And the innovations began!

There are a lot of innovations made around guitars that constantly led the hardware, designs, and tones of these string instruments to evolve. Did you know when the world saw its first electric guitar? It was in the year 1931.

George Beauchamp, a musical instrument inventor from America, and Adolph Rickenbacker, a Swiss-American electrical engineer, joined hands to design a new model of guitar that the players can amplify electrically. And, the Rickenbacker Electro A-22 (Frying Pan) was created.

Although George Beauchamp made an application for a patent in the year 1932, he did not get it for five years (until 1937). In the meantime, Gibson had released their ES-150 already. It was a hollow body guitar.

In 1951, Broadcaster or Fender Telecaster mass-produced their solid-body guitar.

And, then the series of innovations began.

These are some of the facts about the guitar that every music enthusiast should know. Most importantly, with such an interesting and rich history, every guitar deserves an all-encompassing Guitar Insurance plan.

A Comprehensive Guide to Violin Insurance

Did you purchase a violin recently and now wondering if or not you should buy an insurance plan? Industry experts design various insurance policies to protect your musical instruments from unforeseen situations. A good insurance plan will protect your interest if your violin is lost or is damaged. Like you have various options of protecting your home, car, or health, you have some great options for safeguarding your string too.

The perks of having comprehensive Violin Insurance are many. Whether you are a professional musician or just a novice, it will help you get a hassle-free replacement if your gear is damaged or you have lost it. Besides, there are many scenarios that a quality musical instrument plan happens to cover.

Go through this content to understand your options in a better way. Read on!

Musical instruments are vulnerable. Protect them with the right policy

Finely-crafted string instruments are not only beautiful but also vulnerable to whatever may come their way. Therefore, being watchful is the only feasible option you have. And when it comes to protecting musical instruments like violin, a standalone insurance plan is all you need.

How worse may a situation get? Do you want to know?

If you listen to the horror stories related to fine musical gears getting lost or damaged, you will get goosebumps, for sure. In spite of going the extra mile and taking as much care as possible, you may see your gear getting lost in thin air or getting destroyed.

Here is an incident that will surely make you reconsider your decision of if or not you should get a dedicated cover for your musical instrument. If you are planning to hop on the home insurance bandwagon, then also it may be a good read for you.

Here you go!

It is the story of Wunderkind David Garrett, the star violinist. The incident happened in the year 2008 when he was only 26. After wrapping up his concert at the Barbican Center, London, he was taking the leave. While going out of the venue, he slipped on a wet staircase and fell. Where or on which thing he fell would run a chill down your spine. David Garrett happened to fall on his violin, the 1772 Giovanni Guadagnini string. And this incident happened soon after he was done paying off the loan to buy the string. Did you know how much the loan amount was? It was a whopping £ 1.2 million loan. Although the gear was in its case, it was damaged. Needless to mention, Garrett was in a complete state of shock.

However, what saved him was - his string was insured.

Another case, much more horrible than Garrett's will make you think again. Peter Stumpf, the former leading cellist, the Los Angeles Philharmonic, left his cello, the great Stradivarius cello, at his doorsteps after a performance. Adding to his horrors, someone stole it. Not only stole it but also damaged and dumped it. However, somehow, a nurse saw it, understood its value, and returned it to Stumpf.

Do not forget. Not everyone is as fortunate as these two musicians. So, being prepared is the key.

Imagine the same situations without insurance coverage.

Have you ever imagined: What if something as horrible as the above incident happens to you and your musical instrument is not insured? It would land you in deep trouble. Therefore, it is always wise to get a comprehensive Violin Insurance plan before you are left with no option other than repenting.

What if your violin does not cost a million dollars?

Well, it can be pretty much possible. But that does not decrease the importance of getting a musical instrument insurance plan. Even if your string or any other musical instrument costs only $500, it is your hard-earned money. Isn't it? You have worked really hard to buy it. Therefore, you should insure your gear, regardless of its price tags. It will help you prevent complete loss due to an accident, natural disaster, or theft.

After going through this piece of content, you have realized that the best thing you can do to your musical instruments is to insure them under a comprehensive musical instrument insurance plan.

General Advice on Flute Instrument Insurance

For musicians, no matter how small or big their aura and fan following is, their musical instruments make a significant part of their lives. Some even travel miles to meet the real makers of their gears to get the tone and tenor right. Sounds amazing. Right?

Not only this, they can go the extra mile to make sure that their musical instruments and the entire musical paraphernalia stay in good shape and protected. Therefore, they make sure to do everything that is needed and beyond that.

Inheriting a musical instrument is a matter of pride.

In some families, the people of the current generation inherit their great grandparents' vintage gears. The joy and pride that they experience can never be described in words. The feeling is something surreal and divine.

So, in simple words, musical instruments are not mere commodities of music lovers. They are something beyond explanation that only the lovers of music and musical gears can understand. Therefore, musicians, collectors, music instrument shop owners, and even students prefer to insure their gears these days. They have probably understood the limitations of home insurance.

Now, let us get on the actual topic, that's protecting your flute. Do you know what the best part of musical instruments insurance is? You can go for instrument-specific coverage, such as Flute Insurance, string instrument insurance, woodwind insurance, and so on.

Do you understand how important a dedicated cover for your flute is?

Although most people are least likely to understand the importance of specialized musical instrument insurance cover, the latter is much-needed for instrument owners.

Taking care of your woodwind by doing regular cleaning, wiping, polishing, and tuning are alright. You have to do it regardless of anything. However, protecting your gear from unforeseen events can be difficult without a musical instrument insurance plan. Therefore, getting it as soon as you buy a musical instrument makes a valid point.

Some crucial pointers to keep in mind before buying a musical insurance plan for your flute:

●    Before you zero in on any specific insurance policy, make sure to read all policy-related documents carefully. Missing out on details can be detrimental in the future.

●    Make sure to understand the policy terms and conditions before signing the agreement papers. It is a very important step that most people overlook. However, you should not.

●    Make sure to learn the extent of coverage that you will get with your plan. It will help you understand the inclusions and exclusions of the policy you intend to choose.

Make sure to ask the following questions and their solutions:

●    What if someone steals your flute?
●    What if it gets damaged accidentally?
●    What if the shipping company misplaces it?
●    What if someone asks for compensation for medical bills or files a lawsuit against you (involving a public liability situation)?

●    Go for a policy only if you get comprehensive coverage, unlike your homeowner's or renter's insurance plan. Otherwise, you might not get the right assistance at the time of need.

●    Make sure to ask about claim settlement. Owing to the advent of the internet, now it has become easy to file a claim. Moreover, with a reputed insurance provider, you can use the online platform to file a claim.

●    Make sure to choose a licensed and trustworthy insurance provider. Besides a valid license, you should also check their certifications and memberships. These documents or credentials are the benchmarks of quality and trust.

Get your policy copy online.

In today's high-tech era where digital transformation is ruling every aspect of life, buying appropriate Flute Insurance is not a big deal. Moreover, customer-oriented insurance providers try their best to live up to their claims and promises. Therefore, you will find a wide range of insurance products in the market. However, everything that shines is not diamond.

Therefore, as a buyer, you need to be very careful and well-informed. Otherwise, you might end up buying a policy that you should not have. And, when it comes to insurance policies, it is not only about a wrong choice, but also a lot of money and your darling musical instrument.

So, take some time out of your busy schedule, do thorough research, and find an appropriate insurance plan for your flute.

The Differences between Musical Instruments and Home Insurance

There might be many people for who the idea of musical instruments insurance is something out of the blue. Some even might find it utterly surprising to learn that dedicated musical instruments insurance providers do exist. Probably, you are also one of them. Right? And, therefore, you are here to clear your doubts. Let's read on!

Yes, insurance firms that specifically sell insurance for musical instruments are there. And, if you own a musical instrument for whatever reason, you should make sure to have your gears insured in the first place. It will save you a lot of hassles and financial losses while insuring your musical equipment and gear.

What kind of hassles does a musical instrument policy save you from?

Scenario without insurance!

Well, there is nothing you can predict about the uncertainties you live in. Isn't it? What if, say, your guitar is stolen? What if it gets damaged in an accident or while shipping?

To be exact, if your gear is not insured and a mishap happens, you are most likely to pay for it from your pocket. It could be a super-expensive or savings-swiping affair. 

Scenario with insurance!

However, if you have had the coverage of an all-encompassing musical instrument insurance plan, you are safe from breaking your bank to replace or buy a new guitar.

Therefore, industry experts always recommend that anyone who owns musical gear should make sure to purchase a suitable insurance plan to protect their more-than-life musical instruments.

It applies to all. Be they musicians, music teachers, students, music shop owners, collectors, or hobbyists.

Home insurance plan - does it not work?

Initially, you might think of your home insurance plan to cover the instruments because it offers personal property coverage. And, as your musical instruments are also your personal belongings, they are automatically covered.

Yes, that is correct. Home or renter's insurance plans cover your gear as personal belongings, there are some limitations, and the coverage is likely to be too low.

Therefore, if you have a costly device, it is better to get specialized insurance instead of relying on your home insurance.

Situations when your home insurance plan might not help

There are several situations where your home or renter's insurance fails to come to your rescue. The first one is already clear, i.e., if you own gear with a high price tag. The other situations are as follows:

You take your gear outside your house.

You or your kid takes the musical instrument, for example, the violin, along with them to the music school, or you are a professional musician. Any accident involving your musical instrument that happens outside your home goes uncovered under your home insurance. However, insurance for musical instruments will cover all.

You are a musical instrument collector.

You collect vintage and expensive musical instruments. Your home insurance plan is less likely to cover vintage gears owing to their extravagant price tags. Dedicated plans cover all types of gear.

You partake in paid performances.

You participate in paid performances using the insured gear. A home insurance plan is least likely to cover the gears that you use in exchange for money. However, a specialized musical instrument insurance plan covers your instruments no matter if you perform in paid shows or you just play for fun at home.

You travel with your gears.

You are a worldwide traveller (a touring artist). In any case, your home insurance policy will not cover your musical instruments worldwide. However, a standalone insurance plan for musical instruments covers you all over the world.

You got stuck in a public liability scenario.

You are involved in an accident of public liability. In such cases, you can expect almost nothing from your home insurance plan. However, an instrument-specific insurance plan will cover you.

Your gear is lost or damaged during transportation.

Also, home insurance plans do not cover any damage or loss incurred during transportation or shipping. However, your musical instrument insurance will be there for you if your gear breaks or gets misplaced, or suffers any kind of loss or damage during transportation.

All set to buy one?

Hopefully, now the differences between home insurance and a dedicated musical instrument plan are clear to you. So, why not get one for your gear too?

Interesting Facts about Viola Instrument, the Cousin of Cello and Violin

Have you decided to enroll your child in the school band? Do you intend to choose the viola, or does your child want to learn the viola? Well, that is great! Bridging the gap between the cello and the violin, the beautiful sound of the viola is commendable. Your child will have fun playing this instrument for sure.

However, before your kid joins the classroom, how about exploring some lesser-known facts about the viola? It will be an interesting chore for both you and your child. So, let's get started!

A nickname that lives up to the reality

Did you know the viola is oftentimes referred to as the Cinderella of a band or the orchestra? Yes, that's correct. And why so? The reason is pretty obvious. Among the world of musical instruments making a buzz in the world of music, this cousin of violin and cello is often the neglected or forgotten one.

So, what does it mean? Should you reconsider your choice and find some other musical instruments, the more popular ones, for your kid? Well, no. It means that if your kid happens to learn the viola with proficiency and aspires to become a viola player or teacher, they are more likely to witness less competition. It will allow them to make a better and unique career. 

The harmonizing strings

The viola is often considered to be a harmonizing musical instrument because its pitch is lower than the violin and higher than its other cousin, the cello. Also, the strings of the viola include C, G, D, and A, wherein C is the lowest, and A is the highest. Therefore, the sound it produces is mellower and earthy than that of the violin (strung with G, D, A, and E). However, as the viola is one octave higher than the cello, the former does not have the natural mournful vibe.

Music and fitness go hand in hand

The size of the viola is a bit bigger than the violin. Therefore, people often say that striking the viola may improve muscle strength, making your hands, biceps, and wrists stronger. So, learning the viola gives double advantage - music, and fitness at a time. Jokes apart, but yes, when you run your fingers through its string while holding its heavyweight, you are likely to experience the power.

Learn the clef

A viola player needs to read the notes with the viola or alto clef (related to notation) and not with the treble clef. Not every musician requires this. The alto trombone is another exception. If you are completely a novice, you do not need to worry about it because you are learning it from the beginning.

However, if you have been playing the violin or any other musical gear for this long, and now you want to switch to the viola, it may be a bit tough to relearn. However, if you happen to do it seamlessly, it would be a perk for you.

A unique instrument to play

Only a couple of people opt to become viola players. Therefore, it can be an amazing choice for your kid if they want to learn the same. It is a unique instrument but with lots of potential.

So, these are some of the many interesting facts about the viola. If your child is eager to learn this musical instrument, make sure to encourage them.

Time to discuss some important aspects

Is your kid ready for enrollment? Have you purchased the gear already? Wow. That sounds great. Did you get Viola Insurance as well? Purchasing a viola can be an enjoyable experience. However, losing it to accidental damage, theft, or any other unfortunate event is not.

Not only does a musical instrument cost thousands and millions, but you also have a hard time without it, whether you are a professional or just a beginner.

An all-encompassing Viola Insurance makes sure that your beloved gear and your savings are safe and secure in case a stroke of bad luck strikes you.

Unlike your home insurance policy, a dedicated musical instrument insurance plan offers comprehensive coverage worldwide. Plus, it has many other upsides, including all-risk cover, transportation damage cover, and public liability cover, to name a few.

So, without any second thought, get an insurance plan for your viola and let your child learn and play it without any hassle.

Get Studio Coverage and Stay Ahead of Competition

A music recording studio is a place that is an eye witness to the making of many famous artists and bands who were once new to the industry. Did you know there are more than 4000 music recording studios in the United States? Yes, that is right. Musicians and recording artists often use music recording facilities to create, record and mix music. They often use these for their final albums.

The design of music studios and quality of music

The design of a music recording studio is such that the structure does not impact the sounds and vocals that artists record inside. It provides them with an acoustic setup that is a prerequisite for music recording. A well-equipped music record is designed according to the principles of acoustics. It ensures that the final piece of music that goes out is of the highest quality and clarity.

So, when so much effort and designing goes into creating a decent music recording studio, don't you think the facility needs a comprehensive Studio Coverage plan?

It will make sure that the facility remains safe and sound. Many people do not bother about getting their studios covered because their homes are their studios. They believe that their home insurance plan will cover their studio owing to the location. However, the real scenario is not alike. It is different.

Why do home insurance plans fail to cover recording studios?

Whether your music recording studio is located right in the basement of your home or just another room of your home, your home insurance or renter's insurance will not cover it. The reason - you use that place for professional and commercial use. And any property or facility that you use professionally is not your home insurance's concern. So, to protect your music recording studio, you need a separate policy, or else you will get no coverage. 

What do you mean by recording studio insurance?

Music Studio Coverage is a kind of business insurance plan that guards recording studio owners against a plethora of unwanted perils. These include loss of business property, damage to the business property, lawsuits from third-party, among others.

An insurance policy from a reliable insurance provider offers protection options crucial to music studio owners. It allows them to create customizable plans to live up to their specific requirements. So, no matter whether your studio is a tiny home-based one or a large professional facility, getting it insured is imperative.

Get that competitive edge!

Today's business environment is highly competitive. Therefore, you always need that edge to outshine others. Right? It is especially vital when choosing an insurance plan for your business. As music recording studios are not like other businesses, you cannot insure them like any other business.

You will need a specialized policy to meet the special insurance needs of a music recording studio. Therefore, you should make sure to choose the right insurance provider. Always select an insurance company that allows you to broaden your extent of coverage according to your needs, including liability, property, in simple words, comprehensive umbrella coverage.

On what factors the cost of a recording studio insurance depends?

Although the cost of a recording studio is likely to vary from one insurance company to the other, some of the standard factors may include the following:

●    The size or area of your music recording studio
●    The location of your music studio
●    The number of years your business has been in operation
●    Your annual revenue (gross)
●    The extent of coverage you intend to have

A trustworthy music recording insurance company will ensure that you get the best possible coverage for your recording studio.

Some FAQs on music recording studio insurance

What types of damages or losses does a studio insurance cover?

An all-encompassing music recording studio insurance with a reliable and experienced insurance provider covers all risks. These include - accidental damage, theft, hailstorm, thunderstorm, vandalism, transportation damage, earthquake, to mention a few.

What types of damages or losses are not covered by studio insurance cover?

No matter which insurance plan you choose, there would be some exclusions. They may include the following:

●    Regular wear and tear
●    Manufacture defects
●    Faulty workmanship
●    Damage or loss due to mold, insects, etc.
●    Intentional damage or loss
●    Acts of terrorism

Protect Your Musical Legacy with Heritage Music Insurance

We often talk about taking care of musical instruments, maintaining them, getting them insured, and all sorts of crucial things. However, there is one aspect that almost always remains untouched or overlooked. And that is - preserving music, an integral part of our culture and heritage.

A long time ago, musical instruments and recording equipment were made up of cylinders, foils, and various metallic components. As those gears and devices lacked sturdiness, they could not withstand the test of time and eventually got lost down the lane.

As far as modern-day equipment is concerned, especially digital media, they are far sturdier and more durable. And therefore, it has become the standard in the music industry. They are less prone to damage and deterioration over time. However, no matter what, digital media should also be preserved from time to time to ensure the priceless pieces of music remain safe and intact. Moreover, you should also make sure to have Heritage Music Insurance to ensure that the legacy remains in its dignity.

Heritage is something everyone can have

Music is an indispensable part of everyone's life and experience. So, being a part of the music industry, it should be your duty to maintain and preserve the musical heritage. When we say heritage, we should know that it is an umbrella and flexible term. However, most often, people relate it with folk music and all such things. It is not the thing all the time.

When it comes to defining heritage, every entity can claim to have one for themselves. Your musical heritage can be your neighbour’s pop music. Furthermore, someone else can notice something vital in your heritage, and you may not be able to catch or understand it. 

Therefore, many industry experts opine that music is a ship of personal or community histories. Many people look forward to passing their legacy in the form of their music from one generation to the other. Here, worth as well as value are the key pointers. All of this leads to the creation of personal musical heritages.

As far as heritage is concerned, there is a difference at the group and personal level. Although it is related to the whole string of traditions, individual reflections remain more impactful and compelling.

Heritage is everywhere. Protect it.

Heritage has lived in family traditions, memories, places, and practices. Heritage is not any particular genre, but it is everything that is related to music. Heritage is there in the ways of making music, in musical instruments, playing musical instruments, choice of musical instruments, and so on. Heritage is there in the tales, sounds, and musical repertoires. And, when something is so deep-rooted, it has some value. Therefore, Heritage Music Insurance is essential.

Importance of protecting heritage music

For some people, an insurance copy could mean just a piece of paper. However, this piece of document has the potential to save your heritage and finances at the time of need. And, when you would need it is all unexpected. Accidents, mishaps, and misfortunes always come silently and out of the blue. Therefore, it is highly advisable to stay prepared in advance.

How does heritage music insurance protect you?

If you own a heritage musical instrument, a dedicated insurance plan will ensure the following benefits:

●    It will protect you from created events, such as theft, robbery, vandalism.
●    It will ensure that your musical gears and accessories, including sheet music, mics, etc., are protected from the disastrous effects of nature. These include rain, flood, fire, thunderstorm, and similar issues.
●    A dedicated insurance policy also ensures that your finances are safe, and you do not need to pay anything out of pocket if involved in a public liability case and the third party has filed a compensation claim.
●    Sometimes, due to an accident, you may lose your capability of earning. If the mishap involves your musical instruments, a heritage musical instrument insurance plan will cover loss of income as well.
●    A comprehensive insurance plan ensures protection against loss or damage due to transportation.

So, when you get all these benefits with a standalone insurance plan, don’t you think you should buy one for your gears and music right away? Find a trustworthy musical instrument insurance provider and buy your policy now.

History and Importance of Cello Instrument Insurance

Cello, an instrument that belongs to the violin family, is one of the most loved solo instruments across the music industry. It has been charming the listeners for time immemorial. Well, all credit goes to its vibrant, beautiful, and stimulating sounds and super-warm tones that are kind of similar to the voice pitch of humans.

The cello gradually became an integral member of Western music by evolving through a series of artistic and practical modifications. Although known to many as a popular string instrument, its history is still undiscovered by many.

So, let's get down the lanes of history and learn some lesser-known facts about the cello.

The history of cello

Cello is often associated with other famous string musical instruments, such as the lyre and harp. The latter two gears, i.e., the harp and lyre, were a vital part of the ancient civilizations as people, at that time, used to make music using them.

The cello got the spotlight in the year 1550 in northern Italy for the very first time. Because it is an instrument of the violin family, initially, people used to call it a bass violin. It is also famous as viola da braccio in Italy.

Who made the cello for the first time?

Andrea Amati, a luthier from Cremona, Italy, was the first one to be credited for making this stringed instrument, cello. Although he did not invent the cello, he became well-known for crafting cellos for Charles IX, the King of France. Arts and paintings dated back to the 12th and 13th centuries show the violin. It indicates that it was very much there in that era. However, as far as the cello is concerned, it originated during the 15th century.

Why did the cello make a late entry into the world of music?

Well, it is more or less because of the trends in Western European music. At that time, vocal music was given more preference over other forms of music. Thorough practices before performances during the 15th century made the singers understand that they needed a nasal and high-pitched tone. In simple words, they realized the need for a sound that was close to present-day's Eastern music. This need led to the creation of the cello.

Who introduced the standard size of the cello?

When it comes to giving credit for deciding the standard size of a cello, it is given to Antonio Stradivari. After the year 1710, he started making celli. Its size was somewhat between the too small and too large version of the instrument. Soon, the other cello makers across Europe used the standard size by Antonio Stradivari.

In the current times, the cello has made its unique place in various musical genres. Therefore, if you are a cello player, make sure to get sufficient Cello Insurance coverage for your gear. A comprehensive insurance policy ensures that your musical instrument remains protected and your finances stay safe.

Fun facts about the cello!

Let us learn some fun facts about this instrument!

●    Cello derived its name from violoncello. The latter is an Italian word, meaning small-large violin.

●    The cello is regarded as the second-largest bowed instrument in the entire world. It comes after the double bass.

●    The name of the oldest cello is known as the King. It was made by Andrea Amati between the years 1538 and 1560. Now, it is at the National Music Museum in South Dakota.

●    Originally, the guts of goats and sheep were used to create the strings of the cello. However, now, the strings are made up of metallic components.

●    The cellos are not always about four strings. During the 17th and 18th centuries, these were prevalent with 5-strings in various areas of the Dutch and German region.

●    The names of the world-famous cellists include Mike Block and Liz Davis Maxfield.

Now that you know about the history of the cello and how it became a crucial part of world music, it is necessary to understand the importance of buying a dedicated Cello Insurance policy. Your cello is delicate, and accidents can happen at any point in time. Having insurance protection ensures that you and your cello are safe from all possible risks that can damage your musical instruments and affect your livelihood.

Tips to Take Care of Your Audio Equipment

When it comes to listing down audio content, it does not end at music. Millions of people from all over the world consume audio content in various other formats, such as podcasts, audio stories, presentations, and voice-overs, to mention a few. They hear it across many platforms and places, including television, movies, audio videos, homes, theatres, work, and school.

With such a broad expanse of audio content, audio equipment and accessories dictate how a particular audio clip will reach you in its best possible form.

As far as audio equipment is concerned, it is an umbrella term and encompasses a wide range of gears and props. These include - musical instruments, speakers, record players, microphones, headphones, turntables, mixing desks, stands, and different cables and cords. And it goes without saying that some of the pieces of these gears are capable enough to burn holes in your pocket.

To ensure that your audio paraphernalia stays put and allows you to perform better every time, you need to take good care of them. Here we have some tips for you:

Try cryogenic processing to increase the durability of your gears.

Most audio equipment is almost always at work. Sometimes, a single piece of gear is handled by multiple people. It sometimes leads to mishandling.

For example - transporting a musical instrument involves many people for whom it is just a consignment. So, they tend to handle it like one. Therefore, you should try increasing the durability of musical instruments and accessories.

And, cryogenic processing is one of the best ways to do that. It is a process in which the metallic parts of your audio gears are subjected to cold temperatures.

This procedure helps modify the components and makes them more immune to stress. However, despite the process, you still need to make sure that you handle audio equipment with care.

Focus on quality of sound.

Audio instruments and sound quality go hand in hand. The fate of an audio file largely depends on the quality it happens to present to the audience. And how your audience perceives the audio can make or break the latter's popularity.

Although different audio equipment produces different sounds and comes with varying levels of quality, you can improve the same.

You can keep the sound settings of different audio devices, such as the computer system and streaming devices, synced. You may also use a digital-to-analog converter to improve the quality of sound to a great extent.

Wear and tear are integral to everything you use daily, including musical instruments. However, by using a gear properly, you can ensure the best quality of sound for a long time.

Choose the right environment.

Whether it is about storing, playing, or listening to musical instruments or any audio clip, the surroundings play a crucial role. The sound quality of a headphone and a speaker are less likely to be the same.

Plus, the environment where you are playing or storing them can dramatically impact the quality, tone, and texture. The reason? Sound is a vibration and is likely to change according to the space.

Therefore, picking the right environment can make a difference.

Get a dedicated insurance plan for your audio instruments.

Sometimes, regardless of how careful you are with your musical instruments and accessories, accidents and mishaps happen to make their ways to damage the former in many ways.

Therefore, besides doing whatever is necessary, you should also consider buying an audio equipment insurance plan. It ensures the complete safety and security of your gears.

A comprehensive insurance policy draws a thin yet powerful line of defense surrounding your audio equipment and the finances involved. Plus, it saves a lot of hassle that you might have to face otherwise.

This is how it works:

When you have an audio equipment insurance policy protecting your gears, you can rest assured of the following:

●    Protection against the loss and damage caused due to the catastrophic elements of nature, such as flood, rain, hail, thunderstorm, earthquake
●    Protection against loss and damage caused due to mishaps, including theft, fire, burglary, vandalism
●    Protection against loss of income
●    Protection against third party liabilities
●    Worldwide and transportation coverage

So, these are some of the best ways to ensure that your audio equipment and related paraphernalia give their best every time you use and play them.

Dedicated Insurance Covers Plans for Music Gear Instrument

Did you keep your guitar unattended and never see it again? Did you drop your flute during a show? Or, is your piano destroyed in a heavy flood? With all such situations that can thwart your career in no time, keeping your musical instruments safe should be on the top of your priority list. It stands true for everyone, whether you are a part of an orchestra, a guitar player, a music studio owner, a singer, or a songwriter.

Some cases make you gawk in shock!

Apart from accidental damages and natural calamities, musical instrument theft causing significant losses is pretty prevalent these days. In the month of July 2016, Zolopht, a band identified by its psychedelic reggae-rock sound, fell prey to miscreants and lost more than $24,000 worth of musical instruments from a Houston-based hotel.

Another case similar to this again happened in Houston wherein a regional band from Mexico named Los Igualados had their $50,000 worth of instruments stolen.

Needless to mention, these crime-minded people have no interest in playing or learning the stolen gears or doing something creative with them. All they are looking for is quick money by hook or crook.

The prevalence of theft involving musical gears is on the rise!

If you keep your eye on the dailies or television screens, you will find that these (the two mentioned above) are not the only cases. Such incidents have become pretty common. And the real horror behind such situations is musicians losing their income and livelihoods. It is more pathetic than it sounds.

Therefore, to ensure complete protection of musical instruments, their owners are suggested to take our Music Gear Insurance from a reputed company. Specialized insurance policies are also called all-risks policies owing to the extent of coverage they offer.

Dedicated insurance plans and their benefits over other policies

Some of the key pointers that you should know about such dedicated insurance policies include the following:

●    The advantages of musical gear protection plan far exceed home insurance policies. The latter only covers your gears inside your home, and if you have taken out an add-on off-premises plan, then inside a closed room apart from your home.

●    Furthermore, home insurance policies offer a limited portion of the value of your musical gears. Therefore, expensive musical instruments are less likely to get sufficient protection. However, an all-encompassing and dedicated plan makes sure that all your music gears are sufficiently protected.

 Music Gear Insurance covers all sorts of damages starting from simple theft, an act of negligence on the owner's part to the below-given scenarios:

●    Accidental damage to your instrument
●    Loss or damage to your gear due to extortion, theft, or robbery
●    Fraud
●    Embezzlement
●    Transportation damage
●    Loss or damage due to natural calamities, such as flood, hailstorm, rain, to mention a few

●    A typical home insurance policy only covers your musical instruments but not the accessories that come along, such as music stands, cases, mics, sheet music, among others. However, a comprehensive and specialized musical instrument insurance plan covers the accessories as well.

●    Musical instrument insurance policies with customer-centric service providers also offer worldwide cover to gears and accessories.

So, don't you think taking out a dedicated plan is a win-win streak?

Is a musical instrument insurance plan necessary for all?

If an accident involving your musical instruments poses a threat to your livelihood, it is highly advisable to get a dedicated music instrument insurance plan. For example - you lost or damaged your gear and could not perform in a gig. So, it does affect your income. Having that said, if you have had a musical instrument policy, it will cover loss of income according to predefined terms.

However, if you can weather a loss or damage financially on your own, it all depends on you if you intend to buy a specialized plan or not.

Industry experts recommend taking out a dedicated plan to every musical instrument owner.

The bottom line

A specialized musical instrument insurance policy (unlike a regular home or renter’s insurance plan) offers complete protection to your musical instruments and paraphernalia. So, before a disaster involving your musical instruments leaves you in rough waters, make sure to get the assurance of an all-inclusive music gear protection plan.

Why Do Musicians Need Music Equipment Insurance?

The word music carries infinite depths, and musical instruments help the musicians to travel the almost unfathomable depths and make good music available for all. So, you can say that musical instruments bridge the gap between music and the listeners.

Musicians and their priority

Are you a musician too? Which musical instrument do you play? Do you play solo, or are you a part of a band? Do you play one particular gear or multiple gears? Do you own a musical instrument insurance plan?

Just like questions, such as which model or brand of car do you drive, if or not you are a pro or learner, do you drive daily, etc., do not matter when it comes to buying an auto insurance policy, when you have a car, having car insurance is a must.

Similarly, all the questions mentioned above around musical instruments do not matter either. When you own musical instruments, dedicated musicians insurance is imperative.

Home insurance and its limitations

Although some people advocate home insurance for insuring musical instruments, you are less likely to get comprehensive coverage with it. The reason? There are many limitations with home insurance in light of musical instruments. And, therefore, musicians need music equipment insurance policies.

So, without wasting any more time, let us take a look at the pointers talking about the limitations of home insurance and why a dedicated musical instrument policy is crucial!

Why do musicians need a specialized insurance plan?

Home insurance plans have a cap for the total property of your home. So, it can be possible that they might have a cap on per item as well.

And, the per-item cover for your musical instruments might not be worth it or satisfactory.

Plus, most home insurance plans cover only the named perils, including theft and fire. A flood situation might not be included under your home insurance.

You can enhance the extent of coverage of your home insurance by adding a rider. However, still, you might not get complete protection.

However, dedicated musicians insurance ensured comprehensive cover against all risks.

What does a musician's insurance cover?

Covering musical instruments under a standalone musical has many upsides. It includes the following:

●    A dedicated insurance plan ensures that your gears are all-risk proof. So, what do you mean when you say all-risk? It means exactly what it sounds like. Unlike home insurance, musical instrument insurance plans cover all risks, including fire, flood, theft, accidental damage, and loss or damage due to elements of nature.

●    Whether you play professionally or not, your musical instrument insurance plan will cover your gears. However, your home insurance policy will not cover any item used professionally.

●    With a specialized musical instrument policy, your gears are protected both inside and outside of your home. In fact, you can also get worldwide coverage for all possible risks. However, your home insurance will cover your gear only if it is damaged or lost from inside of your home.

●    Your personalized musical instrument insurance will cover more than the base instrument. With reputed insurance service providers, you can even cover the accessories as well, including case, mics, stands, and sheet music, to mention a few.

●    A dedicated musical instrument insurance plan also covers public liabilities involving your musical instruments. It is indeed a faraway thing with your home insurance policy.

Conclusion

These are some of the many ways musical instrument insurance policies are worth the investment. So, with all these given benefits, don't you think every musician or musical instrument owner should go for a dedicated cover? A musical equipment insurance plan is not a mere piece of paper, it can be your savior at the time of utmost need.

How to Protect Your Guitar from Damage and Theft?

All decked up to get your first guitar home? You are feeling that familiar adrenaline rush. Right? Well, your very first string might not cost you heaven. However, if you decide to pursue music as your career and become a well-known musician someday, it is quite possible that the price of your gear will increase accordingly.

Like many other musicians rocking the world, your instruments would probably be the most cherished and the most expensive asset you have. And for music lovers, the value of their instrument extends beyond just financial. Hopefully, you know that well.

Whether you play guitar for livelihood or just to experience the sheer joy and charisma that music exudes, at some point in time, you will realize that your musical instrument needs your attention. And you need to take care of it religiously. So, how to go about it? Are you wondering the same? Don't worry.

Here we have rounded up some of the best ways to keep risks related to your guitar at bay. Also, we have talked about how Guitar Insurance can help you with that. Because, sometimes, no matter how hard you try, you cannot stop mishaps from happening. That's where insurance policies come into play.

Situations or Perils You Need to Protect Your Guitar From

One of the most prevalent risks for musical instruments is damage. The thing with damage is, anyone can cause it, even you, the musical instrument owner, yourself. Unlike theft, you cannot protect your gear just by locking the doors of your studio or home. You never you, you might drop it from height, or you may slip with your guitar while breaking it. So, the problems that damage can cause are omnipresent. So, let's take a look at some of the common scenarios a dedicated musical instrument insurance protects you from:

Damages Due to Heat and Humidity

Most musicians think of their guitars as their beloved. Therefore, they make sure to protect their gears from all possible perils. One such peril is damages caused by heat and humidity. How do you handle this issue? Make sure not to keep your string in a basement as cold as a freezer or an attic as hot as boiling water. Also, ensure that your guitar is covered under a decent and comprehensive musical instrument insurance policy.

Physical Impact

Another common problem that musical instrument owners are likely to come across is physical damage due to impact. In order to minimize such problems, the best thing to do is to keep your guitar in a high-quality and sturdy case. Buying a hard case is better than a soft one. However, sometimes, accidents are unavoidable and turn your fate upside down. Therefore, industry experts suggest it time and again to keep musical instrument insurance policy handy.

Theft

Although you may take all the precautions to keep your guitar safe and secure, accidents like theft can happen out of the blue. So, every guitar owner should have the protection of all-encompassing Guitar Insurance for sure.

The Thumb Rule for Musicians

Even if you are one of the most cautious and nit-picky persons in the world, even if you do everything that takes to protect your guitar, sometimes nothing works. and accidents happen. Therefore, it is always a good idea to get an insurance policy when you buy a musical instrument. Misfortunes will never give you time to think or act. Isn't it? So, if you have adequate insurance coverage, you can learn, play, and make delightful music without having to be worried about the unforeseen.

If you are reading this content, it means that you are interested in buying musical instrument insurance. Bravo and Wise! Find a good insurance provider and get your copy now.

Never Let Your Musical Career Hit a Rough Patch, Get Orchestra Insurance

Do you own or are you a member of a symphony orchestra? If so, then what is the definition of a good insurance policy for you? Something that processes your claim and compensates against it? Read on!

The show must go on!

As far as the world of performing arts and music is concerned, the thumb rule is - the show must go on. Therefore, you should choose an insurance company that stands by your side when a problem occurs and solves it as quickly as possible. It is where a specialist symphony Orchestra Insurance comes into play. A decent policy from a reliable insurance partner ensures complete protection of your musical instruments, equipment, accessories, and crew.

Orchestras comprise different types of gears and musical paraphernalia. Moreover, they are prone to a range of risks. With a customer-friendly insurance company, you can take a sigh of relief from the after-effects of mishaps that could arise and focus on your music.

Things that could go wrong

Many people when, advised to buy a musical instrument insurance plan, ask one question -

What could possibly go wrong with my gears? I take good care of them. Do you think the same way?

Well,

Here are some questions for you:

●    What if your lead guitarist's string is damaged during transportation?
●    What if one of your crew members gets injured while performing?
●    What if equipment or props you borrowed gets stolen?
●    What if you cannot reach the venue due to a flight delay?
●    What if you accidentally hit an audience with your gear leaving him or her injured?

The answers to these questions can change drastically based on one factor - whether you have musical instrument insurance or not.

Answer 1: If you do not have dedicated Orchestra Insurance and you fall prey to any of the scenarios (given in the question), you might hit a rough patch, both financially and emotionally.

Answer 2: If you have dedicated musical instrument insurance designed for a symphony orchestra, you can come out with a flash of silver lightning no matter how adverse the situation is.

So, the choice is all yours whether you want to buy a standalone insurance plan for your orchestra and give your best performance whenever you hit the stage or be without a cover and repent later on.

The extent of coverage you can enjoy with dedicated orchestra insurance

An all-encompassing musical instrument insurance plan can help you with the following situations. Let us take a quick look:

●    Property insurance: It covers all your musical instruments, offices, computers, AV instruments, props, mixing desk, and accessories.

●    Loss of income cover: It protects you against loss of income and ensures income flow during unforeseen events of technological and physical disturbances. It includes power failure, telecommunication faults, flood, fire, among others.

●    Public liability insurance: It compensates you if a third party is injured or his or her property is damaged with you at the party at fault.

●    Workman's compensation insurance: It compensates your employee(s) on your behalf if the former is injured on duty.

Besides the extent of insurance coverage mentioned above, you can also avail yourself of worldwide cover, transportation cover, policy customization options, and a lot more with a customer-friendly insurance provider.

The verdict

After going through this article on specialized musical insurance for musicians and everything musical, now you probably understand the importance of having one. Right? So, without making any more delays, get one for your band and give your 100% every time you perform.

Always remember staying ahead of uncertainties might not be possible. However, staying prepared is always in your hands.

Musical Instrument Coverage Kicks in When Uncertainties Can Knock You Out

Picture this: You own a 1969 Fender Mustang, and you went to a concert with your guitar as an audience. After hearing a not-so-good rendition of your favourite number, you got furious and smashed your guitar into pieces out of the bad mood. After a couple of moments, you realized - what blunder you have done!!! You immediately called your home insurance provider, filed a claim, and they quickly reimbursed the entire value of your Fender Mustang. Wow!

WAIT! Do you think insurance policies work like this? NO. They don't! And, although your home insurance plan may protect you against many perils, right from theft to natural disaster, it won't cover you if you intentionally break your musical instruments.

Moreover, it has several other limitations too. So, what should be your take here? To ensure all-encompassing coverage, make sure to get a specialized musical instrument coverage policy.

When will your musical instruments insurance plan kick in?

Unlike your home or renters' insurance policy, musical instruments insurance plans protect you from accidental damage to your gear or mysterious loss of the same.

Here are some situations, for example:

●    You are rehearsing with your musical instruments, and suddenly it broke due to a fall or pressure.

●    You left your guitar in the lounge of a gig space and went to the loo. When you came back, alas, it was gone, and you never saw it again.

●    You are relocating your home music recording studio to a new house. While shifting your musical instruments, you dropped your flute, damaging it badly.

●    You and your crew decided to do a roadshow. Wow! Great idea! When you were in the midst of the jam, suddenly it started raining. As worse as it could be, your electric piano and guitar were gone with lightning sparks.

These are some of the many situations where your musical instruments insurance plan will kick in and protect you and not your home or renters' insurance. 

What musical gears does insurance for musical instruments cover?

Many people ask, is musical instrument coverage only for traditional instruments? Well, although it would be wise to confirm it with your provider in the first place, most customer-centric insurance providers cover a wide range of musical instruments, regardless of their families, models, and makes. So, whether you want to include a guitar, a flute or a turntable, or a MIDI keyboard, you can always do the same.

What about the sheet music and other accessories?

Coverage for musical accessories is one of the best things about dedicated musical instrument insurance policies with reliable and customer-oriented insurance providers. Yes, you heard it right. With a comprehensive musical instrument plan, not only your musical instruments but the accessories are also covered, including sheet music, cables, speakers, mic, and others.

Also, a comprehensive musical instrument insurance plan makes sure to cover different types of musical instruments. So, whether you want to insure your woodwinds, strings, keyboards, or anything else, you have your back covered. No wonder the policy is called all-inclusive.

Will your home insurance cover you if you play professionally?

If you simply want to rely on your home insurance plan, you should keep something important in mind. If you play professionally, your home insurance will not cover you.

To conclude!

So, these are some of the crucial information about musical instrument insurance plans and how they differ from home insurance. Hopefully, it will help you clear all your common if and buts associated with protecting your musical instruments.

Once you have assessed the range of coverage you want, choose a good insurance provider and get your gears covered before it is too late.

Buy String Insurance Before Renting your Instrument

People who often rent their musical instruments mostly have one main confusion in their minds. It is - do they need a separate musical instrument insurance policy?

Some seek word-of-the-mouth recommendations from people who already belong to the music industry or own musical instruments. Some do not even bother to consider doing some homework regarding the same.

Some stay relaxed because they think that their home insurance policies will cover their musical gears. And some take out some time to find out the ways to protect their instruments.

So, where do you belong?

Well, probably, you have heard about dedicated musical instrument insurance policies and want to explore your options. And that is why you are here, reading this blog. Right?

Great! You are on the right track. Here, we will discuss standalone policies for musical instruments and why these are crucial.

So, let's get started!

Are you a musician?

If yes, then here are some insurance considerations for you. Make sure to clarify all your doubts before tipping in on an insurance plan randomly. Let's go!

Valuation-wise considerations:

●    What are you ought to get from your musical instrument insurance provider?
●    Will your protection plan compensate for replacing an old instrument with a new one?
●    Will they be responsible for covering you if you rent your strings?

Coverage-wise considerations:

●    Does your String Instrument Insurance cover accidental damage and theft?
●    Do they have any exclusions?
●    What if someone steals your guitar from your car or a place where it was kept unattended?
●    Will your policy cover you if a rented gear is damaged, lost, or stolen?
●    Will your insurance compensate for public liabilities pertaining to your musical instruments?

Extra-expenses-wise:

Will your insurance policy cover you for renting a new instrument if yours is damaged beyond repair or stolen?

Is your gear protected regardless of the location?

Protection irrespective of the location - it's one of the most common concerns that bother musical instrument owners even if they have rented their gear.

Consider a scenario where you have rented your gear or own it:

If you are a touring string player, traveling with your instruments is a routine for you. Your gears and accessories are packed, loaded, unloaded, and again loaded according to your itinerary. And, it continues! Isn't it?

For every musician, losing or damaging their gears during the transportation is no less than a nightmare. However, you can always steer away from the worries and give your best if you have an all-inclusive String Instrument Insurance that covers you worldwide.

A coverage that follows you everywhere!

Always remember! The right musical instrument insurance plan with a trustworthy insurance company follows you no matter where you go. So, whether you are on the go, touring the world, performing on the stage, giving music lessons, and doing everything in between, you are in safe hands.

The insurance provider you choose matters!

The relevance of your insurance policy depends on the music instrument insurance company you choose. Quite a lot, indeed! Therefore, industry experts suggest it time and again to select your insurance service provider wisely.

With people becoming more aware of the plus points of insuring their gears separately and not under their home insurance plans, the list of specialist music insurance companies operating in your state is likely to be increasing. Therefore, you should have multiple options to choose from to protect your string.

To find a seamless insurance policy, you need to ensure that the insurance provider you pick is worth their salts. And therefore, all you need to do is - comparative analysis of the options you have shortlisted and then choose the most reliable and experienced one.

Viola Insurance and Mental Peace Come Hand-in-Hand

Tell us which is better!

Option 1: Never-ending stress and panic, sleepless nights, continuous feeling of anxiety, and fear of losing your viola while considering the potential risks.

Option 2: Peace of mind and sigh of relief knowing, no matter whatever goes wrong, your viola is safe and secure.

Well, you are wise enough to choose the most appropriate option for you in the form of Viola Insurance and bid adieu to all your worries revolving around your gear.

However, before you buy an instrument-specific insurance policy, it is a good idea to understand why such plans are important and how these can protect you and your gear financially while ensuring mental peace. When you know what you are buying and how it can help you, things become much easier for you.

What is the thing with home insurance?

First of all, let us start with your home insurance plan. Such policies are designed to protect your home and its belongings. In this context, your viola also comes under your belongings. Here, you may feel that you do not need to buy any additional policy as you already have your homeowner's insurance plan in place. 

That's quite correct. If you wish, you could always secure your musical instruments under your home or renter's insurance plan. However, you might not get the expected range of coverage. Plus, there are many scenarios related to musical instruments wherein you will not get any cover from your home insurance provider. So, why take a chance when you can comprehensively cover your viola under a specialized musical instrument insurance plan?

Now, let us begin with the benefits you can avail of with a Viola Insurance plan from a reputed dealer.

Cover all musical instrument owners

A reliable insurance provider offers various types of plans for different types of musicians. So, whether you play in a grand orchestra, a rock band, a tiny band of your own, a symphony, or simply at home, there is a policy for everyone.

If you are a music teacher who takes music classes, you can opt for a dedicated musical instrument insurance plan to protect your gears. It does not end here. Even if you only collect or sell musical instruments, then you also have your back covered.

In simple words, regardless of your profession and professional standing, you and your gears are safe under a dedicated insurance plan for your viola.

Covers all types of musical instruments

Standalone musical instrument insurance not only covers viola but different types of musical gear and equipment. It includes piano, keyboards, clarinet, bassoon, violin, guitar, flute, and brass instruments, to mention a few. Although your home insurance is likely to cover all these, it will not cover the accessories, such as sheet music, mic stands, mixing consoles, etc.

Covers against the acts of nature

You have no control over the natural elements and related phenomena. However, you can always make sure that your gears are protected against all types of catastrophic events. It includes fire, water damage, flood, thunderstorms, and other acts of God.

Covers against various criminal activities

Cases of musical instrument thefts are prevalent. What if someday miscreants break into your car and steal your viola? Your home insurance will not cover the same as the accident has happened outside your home. However, your musical instrument plan will. Apart from theft, your musical instrument insurance policy will also cover other criminal activities like robbery, vandalism, etc.

Covers public liabilities

A dedicated and instrument-specific insurance plan also covers public liabilities with musical instruments involved. For example - someone getting injured at your recording studio by tumbling over cables may ask for compensation that you cannot deny. Here your insurance plan will protect you and take care of the compensation.

Cello Insurance: Some Q&A to Understand Its Importance

If music is your passion, you should go the extra mile to protect what matters for you. Isn't it? So, when it comes to protecting your musical instruments, you should think of something all-encompassing than just your home insurance or renter's insurance plan.

Many people argue that - what is the need to invest in a separate policy when your home insurance claims to cover your musical instruments? Yes, your home protection plan will cover your musical instruments if you have included them under the same. However, there are many aspects related to musical gears that your home insurance is least likely to cover.

If you own a cello, whether you play it, will sell it as a music instrument dealer, give lessons using it, or keep it as a collectible, a dedicated Cello Insurance is a must-have. We know you are eager to learn the reasons. Keep reading!

Here we have rounded up some critical aspects that your home insurance is less likely to cover.

Do you play or carry your gear outside your home?

If your answer is yes, you must have an instrument-specific insurance policy. The reason - your home insurance, irrespective of how hefty premiums you pay, will not cover any musical instrument if something happens to it outside the premises of your home.

However, if you buy a dedicated insurance plan for your cello, the former will protect the latter everywhere.

Do you play your cello professionally against monetary exchange?

If so, then forget about your home insurance protecting you. A home protection plan, no matter how good it is, will not cover professional use. If you continue using it, it will land you in trouble during the time of claim settlement. The moment your home insurance provider comes to know about paid performances, they will reject the claim, and you have to pay out of your pocket, or rather break your bank.

However, a cello protection plan will protect you throughout.

Are you a touring cello player?

If yes, it is better to safeguard yourself under dedicated Cello Insurance than relying on your home insurance. An instrument-specific insurance policy from a reputed firm will cover your worldwide. It will protect you against all risks, including accidental damage, transportation damage or loss, theft, robbery, acts of nature, and everything in between.

To be true, a standalone insurance plan for musical instruments is the best thing for your gears. So, every musical instrument owner needs it for sure.

Do you also want to cover your accessories?

If yes, then depending on your home insurance plan would be a slip because it will not cover accessories. However, if you buy a specialized insurance plan for musical instruments, it will cover the accessories as well, including cases, mics, sheet music, mixing desks, and other equipment.

Conclusion

After going through these questions and answers and relating them to your situation, hopefully, you have understood the difference between home insurance and musical instrument insurance. Right? So, what are you waiting for? Find a reliable insurance provider in your state right away. With a good and customer-oriented insurance provider, you can enjoy the following benefits. Let’s have a look:

●    Affordability: A reputed musical instrument insurance provider offers the best possible coverage options at the most competitive rates. They ensure that your assets do not become a burden to you.

●    Comprehensive coverage: You can enjoy a wide range of coverage with a customer-centric insurance company. Plus, if you wish, you can customize your policy according to your needs.

●    Convenience: You can ask for free insurance quotes. Moreover, claim settlement is also easy with a good insurance provider.

●    Transparent: A trustworthy insurance company will always be upfront with policy pricing and related terms and conditions.

If you find these qualities in a service provider, you can trust them.