What Does Brass Musical Instrument Insurance Cover?

By Author: victor12johnson
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With the perfect amalgamation of the elements of lip and sound, brass instruments, a.k.a labrophones or labrosones, are known for the harmonic music they produce. Different brass musical instruments have different pitches, and it depends on several factors. These include the following:

● Valves
● Slides
● Crooks
● Keys

According to most organology (the science of musical instruments) scholars, brass instruments should not necessarily mean musical instruments made up of brass. The term should be used based on the sound the instruments produce.

So, woodwind gear, such as cornett, didgeridoo, serpent, and alphorn, are brass instruments like the saxophone. Some of the high brass musical instruments include - baroque, trumpet, modern trumpet, piccolo trumpet, cornett, and flugelhorn.

With such a wide range of musical instruments under one category, don't you think brass musical instrument owners need a protection plan for their gears? It is where Brass Musical Insurance comes into play.

If you ...
... ask people whether you should go for additional coverage for your musical instruments, most will pinpoint home insurance or renter's insurance policy. However, industry experts opine that you should get your gears individualized insurance protection.

So, let us take a look at what brass musical instrument insurance covers and how it is different from that of your home insurance plan.

Will your home insurance cover protect your brass gears?

Well, the answer to this question may vary depending on several factors. Here you go!

Protection outside the insured property (your home)

Do you take your brass musical instruments outside your home, like an event or your school? If yes, then make sure to check with your home insurance service provider and find out all about it. Generally, this scenario is not covered by your home insurance policy.

However, if you get Brass Musical Insurance, you are fully covered, regardless of your location, whether you are home or not.

Cover for accidental damage and loss

Will your home insurance policy cover accidental damage? Sad, but most policies do not. However, a brass musical instrument plan taken from a good service provider is most likely to cover accidental loss and damage.

Cover from all-risks

Does your home insurance offer all-risk cover? Well, in most cases, no. There are many possible risks to your musical gears that your home insurance cover is unlikely to offer coverage for. So, what to do? Relax and read on!

One of the best things about dedicated musical instrument insurance policies is - get cover for practically all types of risks that you might come across at some point in time. The range of risks include the following:

● Fire
● Flood
● Theft
● Rain
● Thunderstorm
● Hailstorm, to mention a few

Cover against transportation damage or loss + Worldwide Protection

Just give it a thought. When your home insurance policy does not cover your brass musical instrument, if something happens to it outside your home, will it cover transportation loss or damage? The answer is pretty obvious. No. Isn't it?

However, if you buy a standalone musical instrument plan for your brass gears, your insurance provider will cover the cost of any damage or loss that might occur during transportation. Plus, you can also avail the benefit of worldwide coverage. And yes, it means what it seems.

No matter where on the planet your insured gear is, your musical instrument insurance plan will cover it against all damages and loss.

Final words

So, these are some of the most crucial coverage options you can enjoy with a dedicated brass musical instrument policy. However, choosing the right insurance provider is also imperative. It decides on the quality of services, such as smooth processing, quick claim settlement, etc., you are likely to get.