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.

Why Should Musicians Invest in Music Gear Insurance?

For musicians, musical instruments make a significant part of their lives. With the right musical gear in place, they get the freedom to do a lot of good things. Spreading happiness and pleasing their audience is one of them. No matter whether you are a part of a band, a singer, a flutist, a pianist, or something else, your gear is one of the top priorities of your life and work. Isn't it?

Not only important but is one of the priciest investments you have made so far.

Have you ever thought about it?

Have you ever thought - what could be the consequences of losing or damaging your gear?

Have you ever imagined - what will you do if someone steals your musical instrument?

What if you have to pay out-of-pocket to repair or replace the gears?

God forbids, but it could lead you to the doors of bankruptcy. One of the main reasons is - musical instruments, especially professional-level ones, are pretty expensive. However, a comprehensive Music Gear Insurance policy purchased from an experienced and reputed service provider can save you a great deal. It will protect you from shelling out your hard-earned money for repairing or replacing your musical equipment if something unexpected happens to them.

A separate musical instrument insurance plan should be your go-to

Dear reader, just like you safeguard your health, car, and home under health insurance, auto insurance, and home insurance plans, respectively, and separately, your musical instruments also need separate protection. With a reliable insurance provider that understands and values the needs of its customers, you can also tailor your insurance copy according to your insurance requirements.

With an all-encompassing musical instrument insurance product, you can protect the accessories and related attachments too. It is one of the added advantages because ancillary equipment, such as a turntable, a laptop, a mixing desk, cases, and sheet music, among others, are also critical to a musician. So, there could be nothing better than it if your musical instrument insurance plan also protects them. 

Buying a Music Gear Insurance policy is an excellent move if replacing or repairing an instrument would be quite heavy on your pockets. Although a musical instrument insurance policy is for all, professional musicians should not take it for granted because there are many risks associated with their profession that involves numerous processes and heads.

Can home insurance be another resort for protecting your gears?

Yes, you can always include your musical instruments under your home or renter's protection plan. However, it is critical to understand the extent of coverage you get for your musical gears. These insurance products often offer a policy maximum on the portion of damage they are likely to cover. The cost of your musical instrument, irrespective of the type and family, maybe less than the value for per-item protection under your home insurance. Besides, damage or loss from named perils, such as theft and fire, is most of the time covered partially.

So, even if your home insurance policy offers protection to your musical instruments, it is a good idea to buy a separate policy for your beloved musical gears. The most important thing - your home insurance cover is least likely to cover your instruments if you use them in paid performances or take them out of your home. So, you are wise enough to understand the role of a separate and comprehensive musical instrument insurance plan in your musical career. Right?

What does public liability cover mean?

Liabilities inflicted by lawsuits and similar claims, such as medical bills and property repair expenses for a third party, can rip your finances apart. As the name suggests, a public liability cover protects you against such liabilities. If a third party (it could be anyone - your student or someone from the audience) files a negligence complaint and lawsuit in your name, your public liability cover that often comes with comprehensive musical instruments insurance plans will protect you.

To conclude

So, now that you know about some of the most imperative aspects of getting a dedicated musical instrument insurance plan, you should buck up and buy one for your gears as well. Having the appropriate protection plan in your musical arsenal will make your musical journey even more musical.

A Walk-Through Different Types of Flutes Instrument and an Interesting Quiz

Whether it is the first day of your flute lessons, you have a decent hold over the instrument, or you are a pro at it, wishing to upgrade your gear is always a good idea. Having that said, with a world of flute types and brands available in the market, choosing the one that will live up to your expectations can be a tough feat.

In this blog, you will walk through the varieties of flutes. Hopefully, it will help you make the right pick. So, without wasting any more time, let's get started!

Flutes for beginners

These flutes are crafted with ease of playability as the prime consideration. Plus, these are also durable and suitable for every pocket size. Generally, beginner-level flutes are made from silver-coated nickel. They feature a C foot joint minus one key and closed-hole keys. It makes it easy to handle and play.

Flutes for intermediates

These variants are transition instruments between beginner and professional level flutes. They come with open holes and handmade head joints. These are available in the mid-price range.

Flutes for professionals

It goes without saying that professional flues are pricier than beginner and intermediate level woodwinds. These are usually handmade, which adds to the cost, and come with soldered tone holes and solid silver-made keys. These flutes can be customized according to the preferences and requirements of the player. You can find flutes in different types of materials.

So, these are the three basic categories of the oldest woodwind instrument, the flute. So, before you decide on which flute to purchase, do remember to consider your needs as a flute player in the first place.

What's next after purchasing the flute?

Do you know which is the next thing you need to buy after getting the best flute for yourself? Mmm, is it a case or a service and maintenance guide? Well! Although your answer is correct, you are missing something more critical. What's that?

Let's play another quiz. By the time the quiz ends, you will have your answer right in front of your screen! So, how about having some fun?

Here are some scenarios in the form of questions below. You will have to choose an answer that will protect your finances if you have selected it before the event took place. You will get the answer!

What would be the first thing you would do if your flute is damaged?

●    Sit and cry
●    Take it for servicing and repair
●    Buy a new flute
●    Buy a musical instrument insurance policy

What if someone steals it from your car?

●    Go to the police and file a missing complaint
●    Do nothing and buy a new one
●    Forget about the incident
●    Buy a comprehensive Flute Insurance plan

What would you do if a transportation service provider misplaces your flute?

●    File a lawsuit against the transportation service provider
●    Protect yourself in advance by getting an insurance plan
●    Sit and repent
●    Do nothing

What if you get involved in a public liability case surrounding your woodwind?

●    Reimburse the third party for the loss
●    Do nothing
●    Protect your flute even before the accident happens
●    Sit and cry

If most of your answers hint at getting the right musical instrument policy, you have your answer, i.e., buy a Flute Insurance policy from a reliable insurance provider.

Wouldn’t your home insurance policy come in handy?

If you consider your home insurance plan to protect your musical instruments, there might be some loopholes in your decision. Take a look at the below pointers:

●    Your home insurance plan, regardless of the hefty premiums you pay, will not cover your flute outside your home (the covered property).
●    You may say, alright, it would not provide coverage outside the covered property. What if my flute suffers damage beyond repair inside the home? In that case, my gear will get coverage. Right? Yes, right! However, that coverage is most likely to be limited by some caps, unlike musical instrument insurance plans that offer comprehensive protection.
●    Your home insurance policy will not cover your flute if you pay it at professional gigs in exchange for money.
●    Any accidental damage to your musical instrument, inside or outside, will not be covered by your home insurance policy.

Therefore, do not delay and buy a dedicated musical instrument insurance policy for your flute before you are too late.

Why Public Liability Insurance is Important for musicians?

The pandemic followed an array of shutdowns and restrictions has almost incapacitated the entire world. The musicians are no exception to it. With gigs put on hold and auditoriums and arenas shuttered for a long time, it feels great to see the world reopen with a new zeal. As far as the music industry is concerned, bookings are again filling up for various occasions. Given the scenario, you are probably rehearsing hard for your upcoming gig, perhaps a long overdue one. However, amidst all the excitement and apprehensions, you should not forget an imperative consideration - your musical instrument insurance plan.

More venues are asking for public liability cover than before.

When it comes to getting insurance for musicians, you should be aware of a crucial piece of information. Owing to the global health crisis, more and more venues are now asking the performers to have sufficient public liability cover than ever before. Some even do not allow the musicians to make a booking or perform if they do not have a copy of public liability cover. The reason? Read on!

The cost of a third-party accident can be heavy on your shoulders.

The cost of a lawsuit can tear your savings apart if, unfortunately, you get entangled in an accident involving any third party. And a public or third-party cover protects you against the consequences. However, you should not get this cover just for the sake of rules. You should make sure to buy it for your own good, instead. Always remember, accidents are unpredictable. And no matter how careful you are, you can get involved in one at any point in time. Whether you are a professional performer, a music composer, a teacher, a curator, or simply own musical instruments, a third-party liability cover protects you all the time.

Live performances are a one-of-a-kind experience for the performer as well as the audience. However, things can take a downward turn if someone from the audience gets injured due to tripping over a wire. They could file a lawsuit against you, and you would be held liable for paying off their medical bills and, of course, the legal fees.

A concert involves more than only your audience.

Moreover, it is not only the viewers you need to take care of at your show. There are many scenarios involved related to the property of the venue. For example, you accidentally damaged the venue property, and you are asked to compensate for the same. Damage can be as minor as a dent to as severe as massive deterioration to the property. With appropriate Insurance for Musicians, you are protected against all such scenarios.

Are you a music teacher as well?

If you are a professional musician who is also a music coach, passing on your knowledge and expertise to your students, then also public liability coverage is essential for you. If you take the lessons at your home, you might think - what could go wrong here. It is your home, a safe and private property. Right? However, you might not be correct this time as the risks remain there. What if a student gets injured due to tripping over a carpet? What if they demand compensation? In the same way, what if a student damages your property, leaving you with a big-figured repair bill? These are the situations when public liability insurance comes to your rescue.

Protect your finances and take a sigh of relief.

A reputed and customer-friendly insurance service provider knows that the last couple of years have been tough on you and your career, especially in terms of finances. So, when someone suggests you get an insurance plan for musicians, you may not take it seriously. You might think that if you skip this, you may save a little and invest it somewhere else. However, this move may land you in trouble if you get involved in an accident. Therefore, you should not ignore getting a specialized insurance plan to protect your interests.

One of the best ways to find a suitable insurance plan for musicians is searching the World Wide Web. You will find a lot of relevant and useful information on the internet about insurance policies and providers. So, finding a plan to meet your needs should not be a hard nut to crack.