Gift Your Instruments The Protection Of Dedicated Music Equipment Insurance

By Author: micheljordan4
Total Articles: 214
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Musical instruments are crafted with great care to ensure they sound melodious when played. These are created in such a way that makes them delicate objects - prone to various perils. Most important, unforeseen situations are unforeseen for a reason. They are unpredictable and arise out of the blue. Moreover, unwanted scenarios can hit you anywhere and anytime, leaving you in rough waters. An accident can happen anywhere - while you are on stage or shipping your instruments from one place to another.

Proper Music Equipment Insurance is made to provide your musical paraphernalia with the right amount of coverage from almost all kinds of possible perils. Whether you are a professional, a student, or just bought your gear at home - there is no second thought to buying a dedicated insurance plan for your musical tools. So, start with some brainstorming to find a reliable insurance provider that deals with musical instrument insurance policies.

Why choose a dedicated insurer for musical instrument insurance?

There are many insurance service providers in the market, selling different types of insurance products, ...
... like home insurance, car insurance, music insurance, and others. Right? However, a company that does not have dedicated experience with musical gear insurance is unlikely to understand - how you feel about your instruments.

Furthermore, they are unlikely to understand your perspective if you need to file a claim someday and come up with the right solutions. However, when you choose an insurance firm that has been dealing with musical instrument coverage for years - they will understand your pain points well. They will understand your bond with your gear. Therefore, choosing a dedicated insurance provider like Clarions is always a good idea.

The best part - a reputed musical instrument insurance provider may help you with designing a customized Music Equipment Insurance plan that suits your insurance needs. This way, you can save valuable time and money.

What range of coverage can you expect from your musical instrument insurance plan?

Well! The amount or range of insurance coverage may differ on some crucial fronts. The first one is - from one insurance company to the other. The second is - what and how much coverage you need. And another one is - how much you are willing to pay as your premium amount. Standard music gear insurance with a customer-oriented insurer covers almost all probable risks, including the following:

• Professional use
• Paid performances
• Fire
• Theft
• Accidental damage
• Loss
• Right of purchase
• Borrowed gear
• New instruments
• Replacement costs
• Loss or damage during shipment or transportation
• Worldwide coverage
• Music accessories (mic stand, sheet music, sound box, amplifiers, etc)
• Public liabilities
• Workman’s compensation
• Loss of income

What makes a dedicated cover different from your home insurance plan?

Home insurance policies cover your personal belongings. So, it will protect your musical gear, if not the accessories, provided you have mentioned them in the list of things you want to include in your home insurance plan. However, should something happen to your gear outside the home or you have reported a case of accidental damage, your home insurance plan will not help you. Even if a covered loss or damage occurs, your home protection policy will not provide you with sufficient coverage. It will compensate you with limitations. Moreover, it will not pay you for paid performances, loss of income, workman’s compensation, general liabilities, worldwide protection, etc.

And when it comes to ensuring the safety and security of musical instruments, you cannot take a chance with caps and remain half-insured. Right? So, it is better to choose a dedicated musical gear coverage plan instead of investing in something that does not offer sufficient protection to your loved musical equipment.

Ensure happy finances and you!

So now that you are clear about why your musical instruments need standalone coverage and not home insurance, do not delay and get your gear the protection it needs and absolute peace of mind for yourself. Do not forget to research thoroughly.