Buying Viola Insurance - Some Critical Aspects to Take In Account

You simply cannot put a price tag on everything you have in life. Isn’t it? The same goes for your musical instruments. Yes, you shelled out a certain amount, a huge one, to be precise, to procure your viola. But you can’t define its importance in your life based just on how expensive it is. Can you? So, no matter if it is your first one or you have added another to your collection, your voila holds a very special place in your heart that is probably beyond any money. Right? 

However, your love, care, and daily cleaning rituals are not enough to protect your much-loved instrument(s). So, how do you ensure that your viola is well-protected against the possible yet unexpected scenarios? Well, the answer is - by purchasing a Viola Insurance you can ensure that your gear is safe and secure and your finances are in place.

Some aspects to count in when buying a policy

When it comes to buying an insurance policy, there are some crucial aspects that you need to consider. These will help you choose the right cover with no room for discrepancies in the future. So, let us take a quick look at the pointers given below - 

● Make sure to get your viola appraised before signing an insurance agreement. It will allow you to get the right extent of coverage. Most reputed musical instrument insurance providers agree with the same and ask their customers for music gear appraisal beforehand. It is for your good only. 

● Devaluation is another vital aspect when buying an instrument-specific insurance plan. Always remember, the condition of your gear is a critical determinant of its value. Most importantly, a slight crack or dent can reduce the value (overall) of your instrument to a great extent. Therefore, it is highly advisable to get your viola repaired before asking for an appraisal. 

● Your home insurance might not be the right choice for your musical instruments. There are a number of reasons behind the same. First of all, it will not provide a comprehensive cover. Secondly, it will not cover your gears outside your home. Thirdly, home insurance policies do not cover things that are used for commercial purposes. Fourthly, it will not provide worldwide cover to your gears. Do you need more reasons not to include your viola under your home insurance? So, go and buy a dedicated one right away.

Who is the right candidate for getting an insurance policy?

Everyone who owns a viola needs a separate Viola Insurance, regardless of his or her professional status - an amateur or professional. The reason - an insurance policy can cover a wide range of risks, including - fire, flood, hurricane, earthquake, rainfall, theft, and robbery, among others. Plus, you are likely to get worldwide coverage with a dedicated insurance policy for your viola.

Claim settlement is another critical side of insurance

With a reputed insurance provider, claim settlement is easy, especially if you have the right coverage. However, in order to make sure that you get what you deserve, you need to file the claim timely. So, if you damage or lose your instrument, it is important to get in touch with your insurance provider as soon as possible and tell them everything. It will ensure that you get the right compensation.

Do not overlook public liability cover

Accidents are sometimes inevitable. And, it can take a coarse turn if you are at fault and someone else is injured or his or her property has suffered any loss or damage. Such scenarios are known as public liabilities. However, if you have a comprehensive music instrument insurance policy, you are covered against public liabilities.

So, what are you waiting for? Find the best insurance company in your state and cover your viola under the most suitable insurance plan.

 

When to Insure Musical Instruments and How Beneficial It Is?

 

Insurance has become an integral part of the life of an individual. When you own any plush item right from home to car, musical instruments, and so on, it is of utter necessity that you must get it insured. When you have insurance, it is nothing but acts as a shield giving complete protection to your prized possession. The insurance eases of all kinds of tension. An unfortunate incident can occur at any juncture as it cannot be predicted beforehand. It is the insurance that got you covered. Make sure that the insurance must be done from a premium insurance provider which has long years of experience in operating in the market.

When you are all set to insure musical instruments, let the process begin by doing comprehensive research on the cyberspace. You will find several insurance providers operating in the market, but remember only to choose the prominent one. Musical instruments that are finely crafted are indeed expensive. When you opt for insurance, your musical instrument gets 100% protection from if it gets damaged or stolen from any disaster. Insuring a musical instrument is certainly a great idea if you use the instrument on a regular basis for performance purposes or for teaching the students. Insurance not only gives coverage to the instrument but also covers the accessories, case, and sheet music.

You may require a separate musical instrument insurance policy to get the coverage. There are certain homeowner’s insurance through which you can insure musical instruments but before you jump on to do it, you must check the coverage in details so that after the insurance is done you do not face any issue with it.  The homeowner’s insurance policy has some limit for the total damage of the property and might have a limit for each item.  The coverage for each item might be lower than the cost of musical instruments; one very significant option to increase protection for your musical instruments under the home insurance policy by getting a rider which is at times referred to as floater, endorsement, or scheduled personal property.

It is advisable that other than getting the musical instrument insured under the home insurance policy, you can choose a commercial policy for your musical instrument. When it comes to choosing between homeowner’s policy or specialized policy for your musical instruments, there are certain things that must be taken into consideration.

In the first place, all you need to do is to find the appropriate policy for your musical instrument. Once you are done with choosing the policy, make sure to go through the policy in detail. The next thing that needs to be taken into consideration is the premium which you need to pay annually. The premium of the policy must be so that it must not put pressure on your pocket and you can pay comfortably.

The last but not the least is considering the testimonials of the satisfied customers who have been benefitted from choosing the policy that you have decided to select.  The reviews significantly help in making the right decision. Once the policy is chosen and premium paid you cannot switch to another plan for the next 1year. So, before you choose the policy, do research, take time, read reviews, consider the plan how suitable it is for your instrument and then proceed to take the ultimate decision.

Reputed insurance companies offer a free quote to the clientele. So, feel free to get in touch with your chosen insurance provider and ask for a free quote. The premium insurance provider has experienced executives who will guide you to get the insurance done. It can be done online as well as offline.

Get Musicians Insurance For The Right Coverage!

Professional performing artists have to travel a lot. For concerts, practice sessions, press conferences, recce of an auditorium, public appearances, and many other reasons make them go places along with their paraphernalia. And, if you are a musician who plays instruments, your mind is mostly involved with the thought of protecting your gears, no matter where you go. Because, why not? Your musical instruments are precious and make a part of life for you. Apprehensions, like given below happen to fog your mind -

●        What if your gears get stolen or missing?

●        What if a crew member breaks it?

●        What if someone trips over it and damages it?

Considering your fears and the tendency to keep an eye on your musical instruments all the time, taking out Musicians Insurance makes sense. It will protect your gears financially in the event of a loss, theft, and damage. If you depend on your home insurance policy for shielding your musical instruments, which happen to be a part of your livelihood, you are most likely to get disappointed. While your home insurance policy does take care of your belongings, the caps on it restricts comprehensive cover for your musical instruments.

Why should you look beyond home insurance for musical instruments’ protection?

Going through this content will help you understand the reasons why you should think beyond your home insurance plan and consider dedicated insurance for your musical instruments. Take a look at the pointers given below -

●        You spent a lot of money to add a rider to your home insurance policy so that your musical instruments are well-covered. Here is the catch. No matter how much money you spent, the insurance rider will not make the right choice for your musical instruments because it will not cover those comprehensively.

●        If your profession makes your travel along with your musical instruments, then stay informed that your home insurance plan is least likely to cover them at all. In most cases, it does not. Home insurance plans cover your belongings only if something happens to them inside the insured property and not outside. So, you are smart enough to understand why considering separate music instrument insurance is crucial.

●     Your musical instrument collectibles might include vintage instruments. It goes without saying that those heritage gears are no longer manufactured or even repaired or services. What if you want to estimate its replacement cost? The answer is quite simple - your home insurance policy is very less likely to meet your requirements in such a scenario. However, your Musicians Insurance will save your day because instrument-specific insurance providers are accustomed to dealing with such scenarios and can help you in a better way.

Choose an insurance plan wisely!

Musical instrument insurance policies are many. So, before you decide to buy one, make sure to consider some crucial aspects. Take a look at the pointers below -

●        As insurance policies and premiums go hand in hand. So plan your requirements, discuss it with your insurance provider, talk about the premiums, and say yes to a policy only if you can pay the premiums on time without breaking your bank.

●        In order to buy a comprehensive insurance policy, you will have to understand what you want to cover and how much coverage you want. Once you understand this, it would become easy for you and your insurance provider to choose the right plan for you.

The bottom line - Be informed and do the right thing!

Always remember, home insurance for home and musical instrument insurance for musical gears makes the best and comprehensive protection. So, look for a trustworthy insurance provider and cover your dearest musical instruments.

Get Your Owned Audio Equipment Insurance

If music is your passion, your musical instruments would be the apple of your eyes. While you want to get deeper and deeper to pursue your dream, is there something that creates a mental block and stops you from chasing the same, your longing to become a noted musician or someone big in the world of music?

That something is perhaps the concern related to your musical instruments. As an aspiring musician, you need to do many things, such as -

●        Attending plenty of gigs

●        Traveling with your gear, (where sometimes it is with you and sometimes in transit with some service provider), and

●        Sometimes leaving your weapon alone in the car or the rehearsal studio

So because of these frequently happening things, you are constantly concerned, like what if your instrument gets damaged or what if someone steals it and other kinds of unwanted thoughts fog your mind. So, dear reader, if you want to put an end to all such unwanted but real concerns get an Audio Equipment Insurance for the musical gears you own. Such insurance policies not only ensure the protection of your musical instruments but also your peace of mind. Let’s read on to know more about it.

What should you look for in an insurance policy?

Get a suitable policy. Most of us, when looking for an insurance plan, people suggest looking for a proper insurance policy. So, what do you mean by a suitable insurance policy? Any protection cover that meets your insurance requirements is a proper one for you. Therefore, you need to understand your needs in the first place. As far as the standard qualities you should look for in an insurance plan include the following -

●        Affordability - Reliable insurance providers understand and value your needs and constraints. Therefore, they strive to offer the best possible coverage at the most affordable rates. So, with a customer-friendly Audio Instrument Insurance provider, protecting the most prized possessions is very less likely to be a financial burden on you.

●        The extent of Coverage - Know that your insurance is comprehensive, when all your musical instruments, accessories, and the entire paraphernalia get the assurance of worldwide coverage. Yes, reputable insurance service providers cater to all your instrument protection needs. Therefore, around-the-world coverage is a norm with customer-oriented insurance providers.

●        Convenience - Know that you are with a good service provider, when you get proper assistance, as and when needed. Insurance policies are technical. So, you might find it a hard nut to crack when it comes to getting the clauses and the technical terms right. No worries, reliable insurance companies are ready to help you with your concerns and queries.

What types of gears are covered under the specialized insurance policy?

Comprehensive Audio Equipment Insurance includes the following -

●        Different types of musical instruments

●        Recording apparatus and accessories

●        Lighting and sound equipment

●        Stands, cases, cables, and other miscellaneous accessories

●        Computers (software/hardware)

So, make sure to check with your insurance provider before signing on those dotted lines. It’s always wise to make an informed purchase no matter you are buying audio equipment or an insurance policy.

What is the ideal extent of coverage?

Well, that might vary from one company to the other. However, the standard extent coverage with reputed insurance firms includes everything that you have mentioned in the itemized list at the time of taking the policy is covered no matter where on the planet the damage or loss has occurred. So, your instruments are most likely to be covered for the following scenarios among others -

●        Theft

●        Vandalism

●        Robbery

●        Fire

●        Accidental breakage

●        Loss or damage due to natural disasters

And, this is how a comprehensive insurance policy protects your audio paraphernalia and your finances from the consequences of the misfortune.

Things to Know About Insurance That Gives Instrument Coverage

Musical instruments that are crafted delicately cost a huge sum of money. Just like plush cars and expensive jewelry can be insured likewise musical instruments can also be insured.  When you opt for insurance for your musical instrument, it comes under the instrument coverage policy if your instrument gets stolen or gets damaged from any kind of accident. It is indeed a rational idea to insure musical instruments as it will give monetary support to replace the instrument. Insurance in fact gives coverage more than only covering the instrument; it gives coverage to accessories, the case and to the sheet music.

Do a comprehensive research

Getting a completely separate musical instrument coverage policy to get covered is not necessary. You can insure your musical instruments under renters or homeowners' insurance. But it is imperative to find out the coverage details before you jump on to pay for the policy. These types of policies have some limit for total property damage of home and might have a limit for every item. The coverage for every item might be lower than the cost of the musical instrument that you own.  Additionally, the renter’s or homeowner’s policy only covers fire damaged and theft not flood. There is another option for increasing the protection for a musical instrument under the home insurance is by getting a rider, through endorsement, scheduled or floater personal property. 

Things to consider

There are certain things that must be taken into consideration when it comes to deciding between musical instrument insurance through specialized policy or homeowner’s policy. Let’s take a look at the following:

a.    Location

If any damage or loss of your instrument occurs outside the home suppose you are traveling to another country or state for performance, you need the assurance from your chosen insurance company whether it is covered or not. Insurance policies for musical instruments vary on how the companies handle.

b.    Value

How much does your instrument cost? Some insurance companies offer maximum insured amount for every instrument which might narrow down the coverage options. Also, a specialized or a commercial musical instrument insurance plan will offer numerous ways to value your instrument based on whether you want your insurance provider to pay you for the claim based on the value of the instrument during the time of loss or the replacement value during the time of loss.  A homeowner’s policy might handle this in a different way than a specialized policy.

Musical instruments that are crafted delicately cost a huge sum of money. Just like plush cars and expensive jewelry can be insured likewise musical instruments can also be insured.  When you opt for insurance for your musical instrument, it comes under the instrument coverage policy if your instrument gets stolen or gets damaged from any kind of accident. It is indeed a rational idea to insure musical instruments as it will give monetary support to replace the instrument. Insurance in fact gives coverage more than only covering the instrument; it gives coverage to accessories, the case and to the sheet music.

Do a comprehensive research

Getting a completely separate musical instrument coverage policy to get covered is not necessary. You can insure your musical instruments under renters or homeowners' insurance. But it is imperative to find out the coverage details before you jump on to pay for the policy. These types of policies have some limit for total property damage of home and might have a limit for every item. The coverage for every item might be lower than the cost of the musical instrument that you own.  Additionally, the renter’s or homeowner’s policy only covers fire damaged and theft not flood. There is another option for increasing the protection for a musical instrument under the home insurance is by getting a rider, through endorsement, scheduled or floater personal property.

Things to consider

There are certain things that must be taken into consideration when it comes to deciding between musical instrument insurance through specialized policy or homeowner’s policy. Let’s take a look at the following:

a.    Location

If any damage or loss of your instrument occurs outside the home suppose you are traveling to another country or state for performance, you need the assurance from your chosen insurance company whether it is covered or not. Insurance policies for musical instruments vary on how the companies handle.

b.    Value

How much does your instrument cost? Some insurance companies offer maximum insured amount for every instrument which might narrow down the coverage options. Also, a specialized or a commercial musical instrument insurance plan will offer numerous ways to value your instrument based on whether you want your insurance provider to pay you for the claim based on the value of the instrument during the time of loss or the replacement value during the time of loss.  A homeowner’s policy might handle this in a different way than a specialized policy.

c.    Right company

There are some insurance companies that specialize in certain instruments. If your instrument is a highly valued or a rare piece, consider choosing an insurance provider who knows your instrument very well. Claim adjusters will understand your instrument better if there is any claim.

Added coverages

There are some coverage clauses in commercial insurance policies that might not be available in homeowner’s policy. These are designed for professional musicians who use their instruments for the purpose of earning. The coverage might include business interruption and coverage for borrowed instruments as well as rental reimbursement if the instrument of the insured gets damaged.

When you have an instrument that is rare, high-valued and of impeccable quality, make sure to talk to your insurance agent about the options available for insuring the instrument.

The bottom line

Having insurance for a musical instrument is indeed a judicious decision and must not be neglected at any cost. When you own a precious musical instrument, it is your utmost duty to opt for insurance to avert any unfortunate incident. So before your insure instrument, feel free to ask for a free quote from your chosen insurance provider.

There are some insurance companies that specialize in certain instruments. If your instrument is a highly valued or a rare piece, consider choosing an insurance provider who knows your instrument very well. Claim adjusters will understand your instrument better if there is any claim.

Added coverages

There are some coverage clauses in commercial insurance policies that might not be available in homeowner’s policy. These are designed for professional musicians who use their instruments for the purpose of earning. The coverage might include business interruption and coverage for borrowed instruments as well as rental reimbursement if the instrument of the insured gets damaged.

When you have an instrument that is rare, high-valued and of impeccable quality, make sure to talk to your insurance agent about the options available for insuring the instrument.

The bottom line

Having insurance for a musical instrument is indeed a judicious decision and must not be neglected at any cost. When you own a precious musical instrument, it is your utmost duty to opt for insurance to avert any unfortunate incident. So before your insure instrument, feel free to ask for a free quote from your chosen insurance provider.

What are the Best Features of a Comprehensive Musical Instrument Coverage?

A finely crafted musical instrument is one of the prized possessions of every musician. Only the right insurance policy with adequate coverage can work as its true protector. However, choosing an ideal protection plan for a musical gear can be tricky as it needs you to take a lot of factors into consideration. While many musical instrument owners believe that adding a rider for an instrument under homeowner’s or renter’s insurance can serve the purpose well, it usually offers very limited coverage that is not worth the value of their items. Only a separate program uniquely designed for musical instrument owners is capable of providing enhanced protection through additional coverage clauses. So, what are the best features of a comprehensive instrument coverage that you can count on? Let us give you the details.

All Gear

A specialized music insurance policy actually covers much more than just the instrument. This usually includes cases, accessories, equipment, machinery, and even sheet music.

Worldwide Coverage

No matter in which part of the world your instrument is located, the coverage will be in force everywhere.

All Risk

Unlike a general policy that covers only certain ‘named perils’, it offers much broader protection with its ‘all-risk’ coverage. Your instrument is covered against all possible types of risks excluding a few listed in the policy details. These include loss, steal, vandalism, accidental damage, flood, fire, extreme weather conditions, natural disasters, and so on. However, you cannot expect coverage for the breakage of replaceable items like reeds, drumheads, strings, etc.

On- and Off-Premises

It keeps your instrument protected both inside and outside your own premises. From practicing at home to performing in another state, you can stay assured about its safety everywhere.

Transit Cover

What if your instrument gets lost or damaged while traveling to a concert? An all-inclusive coverage makes sure that you still continue performing without being worried about potential financial losses.

Unattended Vehicle Cover

While participating in a musical event, you may need to leave your instrument unattended in a vehicle and it may get stolen. If this happens, the policy will provide you cover providing the vehicle was securely locked and the gear was not inside for more than 12 hours.

Valued at Basis

In the event of a total loss, an extensive coverage allows you to get a predetermined amount of money in the valued at a basis. It will be exactly the same amount for which the instrument was insured. Hence, you do not need to negotiate in order to find the best deal for the replacement of your instrument.

Difference in Value

Apart from covering the expenses of repairing a damaged instrument, the policy also covers the difference in the values of the instrument before and after the loss.

Business Interruption

You may be forced to cancel your paid performances following a loss or damage to your instrument. It will not only interrupt your business but also impact your income negatively. However, this reimbursement will always compensate you for such covered claims.

Equipment Hire

Any loss or damage to your instrument can affect your upcoming concert. You may even need to hire an item of similar specifications until the original one is repaired or replaced. With the right coverage in hand, you can hire an instrument immediately up to the amount specified in your policy subject to a maximum hiring cost and continue performing without financial worries.

Borrowed Instrument Cover

If you ever need to borrow a musical instrument whilst your own instrument is getting repaired or replaced, you will be covered for that too.

The features of an inclusive musical instrument coverage change based on the distinct requirements of its owner. Not all policyholders qualify for all coverage and there are specific limitations or exclusions for everyone. Therefore, it is always recommended that you discuss your needs with your insurance agent and learn about the possible options. This will help you get the most out of your insurance investment.

Let No Threat Affect your Music with Instrument Coverage Insurance

Are you passionate about your art, which is music? Then there is no point in allowing any threat to stop, even for a while. Accidents do happen and they come without knowing the door. And the last thing you’d want is to stop the tunes that make your life. Not only it can be frustrating, but it can also be expensive too. Especially when it is an accident and you’re reasonably unprepared to afford the bulky price of repairs or replacements.

Getting your musical instruments secured with the best quality Music instrument coverage is, without any second thought, a very essential, least you don’t want to end up in a fuss with the damaged instrument. However, do note that, not a every insurance for musical instruments are worthy, and are crafted to meet the most demanding of the mishaps.

The most worthy insurance for musical instrument coverage would be the one that is holistically crafted in a way that meets the most distant occurrences possible, one that is worldwide, so that the place of the mishap doesn’t stand in between your ways to get the coverage among other factors.

Clarion coverage on musical instruments is created keeping in mind to provide the best possible insurance coverage to the clients who’re not only owners of musical instruments but also recording equipment. For over the last 25 years, Clarion Associates, Inc. has been providing undisputable support to the owners of the music industry with best instrument coverage. With their time and expertise in the market, you can only expect masterful support that you’ll have a hard time finding otherwise.

Why Clarion Coverage?

These are the major, among many other features why you should go for Clarion.

1.    Widely recognized by

You know when a product is safe to go with when there are the best names of the particular industry that recognizes the product. Clarion coverage of insurance for musical instruments is not only time tested but widely recognized. The Alexander String Quartet, Foghorn Classics, Target Markets, USC Thornton School of Music, Berkley College of Music, New England Conservatory and many others recognize the Clarion insurance for musical instrument coverage.

2.    All Risks? Covered

The instrument insurance covered all the types of damages and theft possible, except for the few excluded in the policy.

3.    Worldwide Service

No matter wherever on earth the instrument is located, their service will get it covered.

4.    Value Difference? Covered.

Clarion insurance does an amazing job in covering the value difference prior and posts any accident or mishap with the musical instrument. What does it mean? It means that they will cover the difference in the value of the instrument before and after the loss, alongside obviously covering the cost of repairs of the damage.

5.    Borrowed Instrument Insurance? Covered.

If you’ve borrowed any instrument, Clarion gives coverage of 30 days for free with your policy. To get that into effect you’ve got to notify the company within 48 hours of taking possession of the instrument. In the event of claiming, the company will pay the price equivalent to the highest value of your instrument in the policy or $50,000, whichever is less?

6.    Inflation Guard? Covered.

If your instrument in less than two years old, you will be eligible for this inflation guard coverage. For this, your instrument has to be newly manufactured and must fall in the time-frame stated.

These were the major features that make Clarion stand on the crown of many other insurance policies. It is superlative and future-proof to the most extent possible.