Instrument Coverage is Equivalent to Sigh of Relief and Mental Peace

With every performance or practice - your skills as a musician grow. What else grows with it? The value, quality, and the professional level of your musical instruments. Right? However, as nothing is predictable with life, misfortune may cross your way out of the blue, leaving you in a terrible financial and mental state. Damage or loss of a pricey musical instrument can be very destructive to your financial planning and professional life. However, you can stay out of this financial, mental, and, sometimes, physical mess only by buying adequate musical instrument coverage for your musical equipment. So, if music is your bread and butter, if music is an integral part of your life - you can insure them individually or as paraphernalia.

If you search the World Wide Web, you can find the best coverage for your musical instruments, streamlined according to your need, and safeguard your profession like nothing else.

What kind of gear does a typical insurance policy cover?

With a reliable, experienced, and customer-centric musical instrument insurance company, you can expect worldwide protection for literally all types of musical instruments. So, whether you own a piano, brass, percussion, string, or woodwind equipment, you will get best-in-class coverage. Also, such insurance policies do not cater to the needs of any specific crowd. For example - it is not made only for a professional. Even if you do not play but collect musical instruments, a typical music gear insurance plan will cover you. So, it does not matter whether you are a geek, pro, student, collector, teacher, shop owner, or music aficionado. There is a plan for everyone. Let us take a look at some of the most common musical instruments that a good company covers:

●    Pianos
●    Harps
●    Woodwind instruments like flute, piccolo, clarinet, bassoon, saxophone, oboe, etc
●    String instruments, such as basses, guitars (electric and acoustic), violas, violins, cellos, ukuleles, and mandolins
●    Brass musical instruments
●    Drums
●    Vintage or heritage musical gears
●    Expensive gears
●    Rented gears
●    Related accessories

What does relate accessories coverage mean? Will it cover your sheet music?

Well! Although it may seem too good to be true, a comprehensive musical Instrument Coverage taken from a reliable insurance partner does cover sheet music. Not only sheet music, but it also covers practically all types of accessories, such as pedals, mics, cases, sound boxes, and mixing desk, to mention a few. So, don't you think that when a piece of the document can offer this much, is it a win-win thing for you? Therefore, without much ado, do consider protecting your gears under a suitable musical instrument plan, no matter what.

What are the features of a standard instrument coverage?

A standard musical instrument insurance policy from a reputable insurance provider comes with the following features:

●    It offers all-risk cover. All-risk means - it will cover you against all possible losses, damages, or thefts.

●    It provides worldwide coverage anywhere across the world.

●    It features - Valued at Basis. It means that your insurance provider will agree to cover your musical equipment against the price tag mentioned in the schedule of gears protected. So, if you ever make an insurance claim, you will get the amount at which your gear is insured. According to industry experts, this approach is better than replacement cost. For more details, you can contact your insurance carrier.

●    A musical instrument insurance policy also offers a difference in values. It means - it will not only cover the repairing expenses, but also the difference in the value of the gear before the event of loss and after the event of a loss.

●    It also offers the right to repurchase a gear after it is recovered. Sometimes, a misplaced, lost, or stolen musical gear is recovered after the policyholder has received the claim settlement amount. If something like this happens to you, you are likely to get a repurchasing option for the same figure that you got as the claim settlement.

Besides, you can also enjoy features - like - insurance coverage for borrowed gears, replacement gear cover, inflation guard, newly-bought gear cover, and so much more.

These are some of the most crucial things you should know about musical gear insurance products before you purchase one of the most suitable ones for your musical instruments.

Audio Equipment Insurance: A Sheath of Protection for Your Musical Gears

You have a beautiful voice. You are a wonderful musician, a magician, to be true. However, can you give your best without your audio equipment? Probably, your answer is NO. Right? Therefore, protecting your musical instrument and the entire audio paraphernalia can be an intelligent way to safeguard your profession and livelihood.

Is home insurance your only resort?

Do you also depend on your home insurance plan to cover your musical and audio equipment? Too many people depend on their renter's insurance or home insurance policies if something goes wrong with their musical gear. However, most of the time, it is no more than a mistake. The reason? A home or renter's protection plan covers only a part (a significantly tiny one) of the replacement cost. Some policies provide no coverage, at all, because they count your gears under business equipment that is nowhere related to your home or its belongings. So, which one is the ideal option for protecting your musical and audio instruments?

Only a dedicated Audio Equipment Insurance plan can provide you with the level of protection you need to cover your gears, thereby, covering your finances. It will pay you for the replacement cost of the gear, if it is damaged, lost, or stolen. It will also cover rental equipment, and do a lot more.

Am I eligible to buy an audio equipment insurance plan?

You can buy a dedicated musical instrument policy if:

●    You are a musician - full-time and freelancer.
●    You are a symphonic musician.
●    You are a recording musician.
●    You are a digital media professional.
●    You are a theater musician.

A note to remember! No matter what type of musical or audio equipment you buy, no matter what you do with it, buying a suitable insurance policy to cover it from the uncertainties is your top-most responsibility. Therefore, do not refrain from doing it. It is for your good only. Unfortunately, if you need it someday, you will thank yourself for opting for the same.

What will a dedicated audio instrument insurance plan cover in terms of equipment?

Decent insurance coverage available with a dedicated audio instrument insurance service provider covers a wide array of musical gears and computer paraphernalia. Here is a list given below for your reference, but the list is not confined to the following. Let us take a quick look:

●    Computers
●    Cases
●    Musical instruments
●    Audio equipment
●    Sheet music
●    Mic stands
●    Cables
●    Mixing desk

Will your standalone audio instrument insurance plan cover public liability cases?

Yes, it is one of the most important parts of a dedicated audio equipment insurance policy. It does cover scenarios that come under public or third-party liability. So, what does it mean? If a third person gets injured or suffers property damage with you, your equipment, precisely, as the party at fault, you may have to bear the expenses incurred by that person due to the mishap. In most cases, out-of-pocket expenses, such as medical bills and legal fees, can rip your savings off. However, if you have a suitable insurance plan to cover your back, you and your finances, both remain safe and secure.

Will your audio instrument insurance plan cover borrowed gears?

What if you have borrowed a piece of audio equipment and now it is lost or damaged? Will your insurance policy protect it? Yes, if you happen to borrow a musical instrument or audio equipment, your insurance policy is likely to cover you against the cost of repairing it or buying a new one. However, as policies are likely to differ from one service provider to the other, make sure to check the same with the company you intend to choose. If you fail to do so, you might not get the right amount of coverage at the time of need.

To end with!

In a nutshell - an appropriate audio equipment protection plan provides all-encompassing coverage to your audio equipment and the whole musical paraphernalia against a number of unwanted and unforeseen scenarios. Most importantly, your home insurance policy will not come in handy in many such situations. Therefore, it is wise to protect your gears under a suitable plan before anything goes drastically wrong, and you are left with no option other than repenting for not having a plan.

Getting a Suitable Heritage Music Insurance is Imperative

When we say heritage, there are some perceived notions around the term. Most people often see it as something mythical, while some cherish their heritage. As far as musicians are concerned, they often get dazzled by their roots, culture, and traditions. Every other person can assert their own heritage. In fact, your heritage can be something as contemporary for rock or pop for someone else. Right? Therefore, the definition of heritage is different for different people.

When it comes to musical heritage, musical instruments play a significant role. So, if you have inherited or acquired a vintage musical instrument, consider yourself fortunate. And, make sure to protect it with a suitable heritage instrument insurance policy.

Musical instrument insurance plan for heritage and new gears.

Insurance for heritage musical instruments covers fine musical gears, regardless of whether you collect, own, teach, play, sell, appraise, craft, or repair them. A reliable musical instrument insurance service provider will cover both old and new musical gears no matter where you are across the world. Another crucial thing with such insurance plans is - unlike home or renters musical instrument products, they also cover your accessories, such as amplifiers, electrical parts, stands, mic, and even sheet music.

Heritage musical instrument insurance products are designed to cover situations that are often witnessed by musicians. So, if you ask what all does a musical instrument insurance plan offers, the answers would be the following:

If you are a professional musician, traveling across the globe must be a part of your profile. Right? A musical instrument insurance plan follows you irrespective of where you go for your performance. No matter how much you spend on your home insurance plan, it will not cover your worldwide paid performances.

You will feel good to learn that you can customize your Heritage Music Insurance plan according to your insurance requirements. So, you can keep what you need and pay for that much only.

With a reliable musical instrument insurance provider, your insurance policy will cover you against almost all kinds of threats. So, you can take a sigh of relief when you have the assurance of insurance.
 
Types of gears covered

Do music insurance policies cover any specific type of instrument? Well. It is a frequently asked question. A good insurance provider focuses on covering all types of musical instruments. So, whether you own a string or woodwind, or a keyboard, your gears are safe with an all-encompassing musical instrument insurance plan.

Claim settlement

What if you had to make a claim? How and when can you do that? Unfortunately, if your musical instrument is damaged, stolen, or lost, get in touch with your insurance provider right away. They will sit with you, discuss the type of loss or damage and evaluate if or not your musical instrument can be repaired or totaled. Thereafter, they will tell you about the next steps. Make sure to tell your insurance provider what and how the accident happened. When your insurance company has accurate details, it will be easy for them to settle the claim. Hope you understand why details are important.

Lost or stolen instrument recovered.

What if you recovered the stolen or lost musical instrument? Sometimes, such things happen for real. If you have recovered the stolen or lost gear within two years of making the claim has been settled, the good news is - your insurance provider will give it back to you against the compensation price of the paid claim. It will not comprise the cost of necessary repairs. However, you will not get any such cover with your home insurance or renter’s insurance plan.

Protecting your heritage musical instrument is your prerogative.

Dear reader, whether you own a heritage musical instrument or a new-generation gear, it is your prerogative to protect it from all kinds of perils. Isn’t it? Having a comprehensive Heritage Music Insurance or a musical instrument insurance plan should be your best resort in this context. If you are new to this kind of insurance plan, you can always do your research on the internet. It will help you get many sources from where you can compare and find one of the best musical instrument insurance providers operating in your state.

How Do You Get Cello Instrument Insurance?

After a lot of brainstorming and seeking word-of-mouth from experts, you have finally decided to buy a cello. Wow! Buying your first ever musical instrument is a one-of-its-kind experience. And, when it comes to getting a brand-new cello, the blue-eyed boy of the violin family, the feeling is more than amazing.

However, with the excitement of buying a new string instrument comes more responsibilities. The responsibility is to protect your gear and keep it safe from all kinds of perils because emergencies are almost always uninvited.

Some real-life what-if scenarios!

What if you lose your wonderful cello due to an event of a fire? What if your cello is stolen when you went to the washroom and kept it unattended? What if your string is damaged beyond repair during transportation?

Such unfortunate incidents not only cost hundreds and thousands of dollars but also leave you heartbroken. Isn't it? Therefore, it is highly advisable to buy a comprehensive Cello Insurance plan when buying the gear itself. So how can you buy an all-encompassing musical instrument insurance plan for your cello? Read on!

Make sure to get your cello appraised!

As a responsible musical instrument owner, you need to go the extra mile to get an appropriate insurance plan for your gear. And to find the right product that offers sufficient coverage, make sure to appraise your musical instrument in the first place. 

Although you will find many appraisers in your state, it would be wise to choose a qualified and experienced professional. If your cello is new and you have got all the relevant documents like bills and receipts handy, you can obtain an estimate against your receipt. Ask for an appraisal from the shop from where you have purchased your cello. It will help you save the extra charges of hiring an appraiser on your own.

Do not overlook devaluation.

Devaluation is another crucial aspect you should consider when buying a Cello Insurance plan. The condition of your musical instrument will decide its value in the market. Did you know even a minor crack on your gear can reduce its overall value?

In case the head of your cello's bow is damaged, it might reduce the value of your musical instruments by around 80%. Yes, you heard it right. Therefore, it is advisable to get done with all the major repairs related to your cello before taking it for appraisal.

Understand the risks associated with your profession.

Do you know the easiest way to protect your cello? Any guesses? You can insure your cello under your home insurance policy. It might increase the amount of your monthly premium, but you will at least get some peace of mind. However, there is a catch here. Your home insurance will cover your gear if something happens to it inside your home. Any damage or loss outside the property will not be entertained by your home insurance.

And, if you are a professional musician, it is better to get a separate cover to protect your cello. Moreover, buying a dedicated musical instrument insurance policy is a good idea if the cost of your gear is more than $5,000. The best part - dedicated insurance plans for musical instruments are more likely to cover your entire musical paraphernalia, including sheet music, unlike your home insurance policy.

Do consider deductibles and premiums.

Deductibles and premiums are also two of the most critical aspects to consider when buying a musical instrument insurance policy. Many insurance companies are likely to ask for a minimum amount on a yearly premium without any deductible. However, all of these depend on the extent and nature of insurance protection you intend to purchase.

Doing proper homework is imperative.

If you are a beginner, you can go for a low-cost musical instrument insurance plan to cover your cello. However, if you are a professional and your livelihood depends on the music, make sure to buy a comprehensive insurance policy. As there are a number of insurance companies in and around your state, finding one can be a little daunting. However, if you have the right resources and if you have done the required amount of research, you can surely find a suitable insurance policy for your cello. An important tip for you: no two policies are the same. So, you need to buy a plan that meets your insurance needs.