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Buy a Music Equipment Insurance and Play Safe

Posted by micheljordan on September 2nd, 2020

You are a fabulous musician. Your creations are beautiful. You love your musical instruments to the moon and back and go extra miles to make sure that your musical instruments are spick and span all the time. However, even after taking so much care of your woodwinds and strings, if you fail to buy a Music Equipment Insurance for your instruments or musical paraphernalia, it will be of no good to you, your musical instruments, and of course, your finances. Most importantly, there are many facilities, like concert halls and auditoriums, that do not allow artists if they do not have proper insurance coverage. Besides, it is also a way of protecting your income.

Home insurance provides limited coverage!

Like many other people, if you think that your home insurance or renters’ insurance plan will come to your rescue, if your musical gears suffer loss or damage, you are more likely to be making a mistake. Here are some pointers worth reading -

Home insurance plans do cover your music gears (if you have included them). However, their extent of coverage might not be sufficient to cover the total replacement cost of the lost or damaged instrument. Musical instrument insurance policies cover unlimited professional use. Plus, a Music Equipment Insurance will cover your gears for the exact price that you inform your insurance provider. Don’t you think that it is an added advantage?

Also, your home or renters’ insurance will not protect you if any public liability happens due to your instruments. However, a good insurance plan for musical equipment is most likely to cover the same. It is a big-time lifesaver.

Being a music lover and an artist, you are very less likely to stop at one instrument or audio equipment. Right? If you happen to add new instruments to your home insurance policy, your insurance premiums are more likely to go up with every musical instrument. However, instrument-specific policies cover you without affecting your premiums, no matter whether you buy a single flute or an entire music recording studio.

An experienced and reputed music instrument insurance provider understands the requirements of a musician, unlike homeowners’ insurance providers. Therefore, right from buying insurance to filing a claim, the process will be hassle-free.

Dedicated policies are all-encompassing!

Musical paraphernalia comprises many instruments, equipment, and related accessories. What will a music instrument insurance cover? Well, dedicated music insurance policies by reputed instrument providers are designed to cover a range of gears and accessories. It is likely to include the following -

● Musical instruments
● Audio equipment
● Sheet music
● Computers
● Cases
● Cables
● Stands
● Other accessories

Policies may vary from one service provider to the other. Therefore, it is highly advisable to confirm the same beforehand. However, with customer-centric insurance companies, you will get comprehensive coverage. Moreover, you can also customize your policy according to your needs. It helps you save time and money to a great extent.

Do you travel the globe with your musical instruments?

If your profession makes you travel a lot, you should always make sure to buy a policy that provides you with worldwide coverage. Most reliable insurance providers offer around the world coverage to your instruments. It protects your musical instruments financially if it is stolen, broken, damaged, or lost in some other state. Do remember to check this before buying any plan. Otherwise, you might land in trouble for not having proper insurance for your gears.

Choosing an insurance provider can make a difference!

Always remember, choosing an insurance company is as crucial as choosing the insurance plan. So, before deciding on any particular insurer, make sure to do proper research. It is one of the best ways to find a company that worths its salt.

Also See: Musical Instruments, Home Insurance, Music Equipment, Insurance Provider, Musical, Music, Insurance

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