Do you play the guitar professionally? Do not put your career at stake only because your instrument is in pieces due to an unwanted event. If you think - your home insurance policy is a sigh of relief when your string is broken, damaged, or lost, you might be mistaken. This blog will take you through some critical aspects of home insurance and instrument-specific insurance plans.
Instruments used for paid performances: Home insurance and guitar insurance
Dear reader, home insurance plans are unlikely to cover the musical gears you use for paid performances. Here, there are two crucial aspects to consider:
• Firstly, whether playing musical instruments earns you bread and butter or you play one as a hobby, buying a dedicated insurance plan is vital for so many good reasons. So, if you are a guitarist, ensure getting an independent Guitar Insurance plan for your string. Or else you are more likely to bear expensive outcomes should your equipment get damaged or lost.
• Secondly, to ensure your musical instruments' health, you should best avoid possible tragedies from happening. Here are some tips you may use to prevent mishaps that may damage your gear. Read on!
• No matter where you go, make sure to take your musical gear along. If not possible, ensure it is in safe and reliable custody.
• Always keep your beloved musical items in a professional and high-quality case when not using them.
• Keep your workspace clean and clutter-free to avoid the most common instrument-related accidents, such as trip and fall.
• Always choose separate musical instrument coverage to ensure comprehensive coverage for professionally-used equipment.
• Make sure your insurance product provides rental coverage during an insurance claim.
Always remember! Tragedies are unpredictable. Even if you are the best keeper in the world and take care of your musical equipment like no other, accidents are always likely. However, with an all-encompassing musical instrument protection plan, you can keep your paraphernalia away from home insurance-related tragedies and your finances safe.
Broken instruments: Homeowner’s coverage and specialized coverage
Do you believe your home insurance plan will cover broken musical gear and accessories? Oops! Most home protection policies do not extend financial coverage for broken musical instruments. Sad but true! So, how should you go about the protection of your string?
You should always keep your workstation and surroundings clean to avoid things - like liquid spills, etc. Also, the place or studio where you store and use your guitar should be temperature and humidity-controlled. Most importantly, you should get a specialized musical instrument insurance plan to guarantee maximum protection and ultimate peace of mind.
Instrument theft: Home protection plan and instrument-specific coverage
You never know - somewhere, an unscrupulous person, a thief to be precise, might be lurking on the corners to steal your guitar and make some quick bucks. Do you? However, instrument thefts happen. Your home insurance cover is unlikely to cover your string instrument if it is stolen from outside the insured property (your home). Yes! That's the hard reality.
However, you can prevent such incidents by being vigilant and keeping your gear safe when you are not around. Another thing you may do is - register your string with the manufacturer. Or you may also use an RFID (radio frequency identification) marker. Although a dedicated Guitar Insurance plan cannot prevent theft, it can save you from paying out-of-pocket in order to buy a new or a replacement instrument.
Traveling with your musical arms: Home insurance and dedicated cover
If you are a professional artist, you know how adventurous traveling with your musical equipment is. Isn't it? What if your instruments are damaged or stolen on the way? Will your home protection policy come in handy? Well! The answer is no. It will not cover any transport-related troubles. However, an independent musical instrument insurance plan will come to your rescue and offer financial assistance if your guitar is lost or damaged on the way.
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