Dear reader, this is where you need a reality check and a second opinion on why your home insurance is not enough and you should opt for a dedicated Viola Insurance.
Why do you need to think beyond the home insurance policy?
As the name suggests, your home insurance policy is specifically designed for your home and its belongings. Although it will cover your gears as a part of your belongings, you are least likely to get comprehensive and full-risk cover for your gears.
Apart from the partial cover, there are many other shortcomings of home insurance when it comes to covering your musical gears. Read the following pointers to know more:
● As musical instruments are valuable, your home insurance is most likely to cover them up to a certain extent. In simple words, it means incomplete coverage. However, if you opt for an instrument-specific insurance policy for your viola, you will get comprehensive and full-risk cover.
● Then comes the commercial use of your musical instruments. If you use or have used your gear for professional purposes against monetary compensation, even for once, you will not be covered by your home insurance. However, your Viola Insurance will make sure that you and your source of income are well protected against all the perils. Therefore, it will cover professional use.
● Your home insurance is least likely to cover your musical instruments out of the premises of your home (the insured property). So, suppose, you took your viola to your school or a local music gig and it broke or got stolen or suffered damage. In such a scenario, as the accident happened out the premises of the insured property, your home insurance policy will be of no use. However, if you have a musical instrument insurance plan, you can take a sigh of relief as it will protect your gear no matter the location.
● If you are a professional musician and need to travel because of your shows and concerts, then you need musical gear insurance like no one else. However, there is no way your home insurance will help you with this. Therefore, dedicated musical gear insurance. It will cover you no matter which part of the earth you are.
● How can you not consider public liabilities when you are a musician who is mostly surrounded by people? Always remember, any kind of third-party liability has the ability to drain your finances. Therefore, it would be better to stay prepared before misfortune strikes.
You own a viola and a couple of other musical instruments. You are a very organized person and make sure that every aspect of your life is well-organized and up to date. Therefore, you have got all documentation in place. Right from the home, car, and health insurance, you make sure that all the premiums are paid on time. However, in spite of being so careful and meticulous, you did not buy separate insurance for your viola and other instruments. The reason - you are pretty much sure that your home insurance is protecting all your belongings and your musical gears are no different.
Dear reader, this is where you need a reality check and a second opinion on why your home insurance is not enough and you should opt for a dedicated Viola Insurance.
Why do you need to think beyond the home insurance policy?
As the name suggests, your home insurance policy is specifically designed for your home and its belongings. Although it will cover your gears as a part of your belongings, you are least like to get comprehensive and full-risk cover for your gears.
Apart from the partial cover, there are many other shortcomings of home insurance when it comes to covering your musical gears. Read the following pointers to know more:
As musical instruments are valuable, your home insurance is most likely to cover them up to a certain extent. In simple words, it means incomplete coverage. However, if you opt for an instrument-specific insurance policy for your viola, you will get comprehensive and full-risk cover.
Then comes the commercial use of your musical instruments. If you use or have used your gear for professional purposes against monetary compensation, even for once, you will not be covered by your home insurance. However, your Viola Insurance will make sure that you and your source of income are well protected against all the perils. Therefore, it will cover professional use.
Your home insurance is least likely to cover your musical instruments out of the premises of your home (the insured property). So, suppose, you took your viola to your school or a local music gig and it broke or got stolen or suffered damage. In such a scenario, as the accident happened out the premises of the insured property, your home insurance policy will be of no use. However, if you have a musical instrument insurance plan, you can take a sigh of relief as it will protect your gear no matter the location.
If you are a professional musician and need to travel because of your shows and concerts, then you need musical gear insurance like no one else. However, there is no way your home insurance will help you with this. Therefore, dedicated musical gear insurance. It will cover you no matter which part of the earth you are.
How can you not consider public liabilities when you are a musician who is mostly surrounded by people? Always remember, any kind of third-party liability has the ability to drain your finances. Therefore, it would be better to stay prepared before misfortune strikes.
So, these are some of the many situations wherein your home insurance might not protect you as expected. Therefore, having a dedicated musical instrument insurance plan is imperative. You can find a decent musical instrument policy with a customer-friendly and reputable insurance service provider. However, always make sure to find a licensed, certified, and experienced service provider for sure. These documentation and credentials are the benchmark of trust, quality, and reliability. So, you should not ignore them.
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