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.

Why Do Industry Experts Recommend Having a Fiddle Insurance Handy?

Finely crafted musical instruments are works of art and craftsmanship. Most importantly, they are vulnerable to almost everything that might come their way. Even a slight change in temperature or humidity can affect how they play. You know it all. Right? Therefore, being careful is the only solution here.

Carefulness about musical instruments is more than regular cleaning and maintenance. It is somewhat similar to protecting your home and car with suitable home and car insurance policies, respectively.

Having said that, if you own a musical instrument, you should not ignore the importance of having a dedicated insurance plan, for example - a Fiddle Insurance for your fiddle or flute insurance for your flute.

Even industry experts advocate getting a comprehensive musical instrument plan according to your needs. The main reasons behind getting an instrument-specific insurance policy might vary from one person to the other. However, some reasons appeal to all musical instrument owners. And, here, we have rounded them up for you.

An accident can change your life!

Accidents related to fine string instruments, like violin and fiddle, are even more horrible than horror stories. Cases of damage, loss, and theft are also not new to the music industry. You have probably heard quite a few of them, if not all.

Despite being careful and loving your gear to the moon and back, sometimes, you cannot avert an accident. This is where musical instrument plans help you in the best possible way.

The below example will help you understand the scenario and the gravity of getting insured. Take a look -

Once a world-renowned violin player, after his concert was over, slipped on a stair and fell while his more-than-life 1772 Giovanni Guadagnini violin was with him. He tripped and fell on his violin, for which he was just done paying the massive million-dollar loan he took to buy it.

Although his string was in the case, the accident was catastrophic and damaged the gear. However, the violin player was very lucky to have his gear insured. It took more than 6-months to get the instrument repaired. Till then, his musical instrument insurance policy helped him with the repair and replacement costs.

Have you ever imagined what if he did not have an insurance policy? Stress, out-of-pocket expenses, and problems of all sorts would have landed him in rough waters.

So, before it is too late, it is highly advisable that you buy Fiddle Insurance for your string.

An investment, small or big, is someone's hard-earned

Some of you might say that - what if my string instrument does not cost a million dollars? Do I still need to invest in an insurance plan? Well, even if your gear costs only $500, it is hard-earned money. Right? And, you should make sure to invest in insurance, no matter what. A copy of a musical instrument insurance plan is not only financial protection but a guard to your mental peace as well.

Moreover, if you do want to spend a fortune on an insurance policy, fine, you do not have to. You can invest an amount that is just enough to protect your gears against complete loss, damage, and theft.

So, are you all set to buy an insurance policy for your fiddle? Let us take a look at some of the crucial factors that you need to take into account while purchasing one:

●    Make sure to buy your musical instrument insurance plan from a licensed insurance provider.

●    Make sure to check all the policy-related documents carefully before signing any agreement.

●    You are likely to be allowed to customize your plan according to your needs with a good insurance provider. Make sure to check this out.

These are some of the basic yet important aspects to consider when buying a musical instrument insurance plan.