New Insurance Policy Benefit For Woodwinds Instrument

By Author: victor12johnson
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Did you buy a woodwind instrument recently? Did one of your musician friends advise you to get a musical instrument insurance plan to protect your gear? And, now, you are wondering what an instrument-specific cover is and whether you should buy it or not. So, you thought of seeking word-of-the-mouth recommendations from the people who you believe can help.

If you ask for word-of-the-mouth recommendations, most people are likely to suggest adhering to your homeowners or renters insurance plan. While both these insurance policies cover your musical instruments, the extent of coverage is most likely to be limited. And being a musician, you would surely do not want partial coverage. Right?

Although you can increase the range of coverage by including an add-on to your home or renter insurance, it is worth choosing a dedicated musical instrument insurance policy for complete coverage and mental peace.

Light on your wallet and mind

An instrument-specific insurance plan, like Woodwinds Insurance, offers several benefits to the policyholders ...
... that surpass any other coverage plan. It renders peace of mind to the policyholder and a sense of relief to the wallet. As a musician, there are already many things on your dish to take care of. Isn't it? Right from working on the sheet music to scheduling musical gigs, you have to multitask almost all the time. Right? Having an insurance plan in place helps you take off the pressure from your shoulders.

Covers accidental damage

In case you have damaged your woodwind gear accidentally, a standalone musical instrument insurance plan from a good insurance provider will compensate you for the replacement or repair of the same. However, your home insurance plan is less likely to cover any kind of accidental damage.

Protection from theft

Does protection from theft mean your musical instrument insurance plan will protect your woodwind from being stolen? Does it mean that it will prevent the theft of your musical instruments? Well. No, an insurance plan cannot prevent an accident. However, it can cover you against the consequences of such accidents. It will help you buy a new one or a replacement instrument without shelling out a penny. Remember. Your home or renter insurance plan might not help you get this extent of coverage.

Covers elements of nature

Musical gears, whether woodwinds or strings are delicate. Elements of nature, such as fire, thunderstorms, flood, among others, can cause considerable damage or loss to your musical instruments. What if your flute suffers water damage due to a flood in your area? What if someone torches your home while damaging your belongings, including your musical instruments? A Woodwinds Insurance plan will pay you for the cost of repairing or replacing your gear, unlike your home insurance plan.

Covers the cost of your musical instrument

Musical instruments are available in different price ranges. These may cost you somewhere between $10 to several million dollars. If your musical instruments are damaged or lost during an accident, your musical instrument protection plan is likely to cover the cost of your musical gear. However, your home insurance plan is likely to cover only a part of your investment.

Covers public liability

Public liability cover protects you against the possible risks of liabilities set by medical bill claims and lawsuits. If a third-party file a lawsuit against you for medical bills and legal claims, your musical instrument insurance plan covers you. However, your home insurance plan does not cover public liabilities no matter what.

Covers transportation damage

Are you relocating to another state, or are you a touring artist who has scheduled musical instruments for shipment to a new place? What if your musical instrument suffers damage or gets misplaced while in transit? It goes without saying that your home insurance plan will not come in handy in such cases. However, if you have a dedicated musical insurance coverage plan, you can rest assured. Your insurance provider will take care of all the expenses pertaining to your damaged or lost musical gear.

The final words

So, when you can avail a range of protection benefits with a musical instrument insurance plan, it makes sense to get on for your musical instruments too. If you are looking for a detailed insight into it, find a reputable insurance company to delve deep into various aspects of getting a musical instrument insurance plan.