Can A Homeowners’ Policy Protect Your Brass Instrument?

The life of a musician is not restricted to a daily 9 to 5 routine. Going to gigs, traveling and rehearsing are parts of their life. But accidents never happen with prior notice. You never know when misfortune happens and when you damage your favorite brass instrument. The damaged or broken expensive brass instrument might cost you a lot.

People often think that they don’t need brass musical insurance since they have homeowners’ insurance. Well, if you are a professional musician, instrument insurance will cover the damage and repair and also pay your replacement value. Homeowners’ insurance does not cover this.

What happens if you don’t take brass musical insurance?

There are multiple ways that might damage your musical instrument. Anything can happen while you are in the studio or at home or playing a gig.

•    Your studio or home might catch fire
•    Your instrument might be stolen from your studio or home or car
•    Natural disaster (flood, earthquake) might destroy your brass instrument

If you don’t have brass instrument insurance, you might face a great loss. If you think that your homeowners’ insurance will cover everything, then you are partly right. If you have a home-based studio, homeowners’ insurance might cover a part but not everything. This policy has a per item or category limits. When you choose brass musical insurance, you will get the coverage for the damage.

The policy covers you when you are away from home:

Since homeowners’ insurance does not cover the equipment that is away from home, it becomes quite overwhelming for the professional musicians who have to go out for shows. This is true that homeowners’ policy does not cover you against the loss, theft or damaged instrument that is away from your home. This is where the importance of music insurance company lies. They offer musical insurance and protect equipment irrespective of your location. Make sure their policy covers your brass instrument, be it home or away from your location.

Keep your instrument protected from the accident:

No, it is not possible to keep your instrument protected from an accident; it will damage your equipment for sure. But when you have brass instrument insurance, you can get the coverage for the accidental damage. You get the replacement or repair work done swiftly without harming your pocket.

What brass instrument you can get in the coverage:

The brass instrument coverage options might vary from company to company. However, most companies offer the following instrument coverage:

•    French Horn insurance
•    Cornet insurance
•    Trumpet insurance
•    Trombone insurance
•    Tuba insurance

A good music insurance company also covers the Music store and Recording studio with property insurance, general liability, equipment breakdown, workers' compensation, business auto insurance, and crime insurance.

There is no denying the fact that music insurance protects your instrument with the right coverage options. However, make sure you have chosen the best insurance company for all your music policy needs.

What is your thought? Do you want to protect your musical instrument with homeowners' insurance or give them total protection with brass musical insurance? The choice is yours.

Don’t Let Anything Stop your Musical Journey, Get the Right String Instrument Insurance Now

Does music define your personality and profession? Do the strings keep you going? If yes, then you cannot afford to let go of your instrument, no matter what. However, life is all about uncertainties, and accidents can happen at any point in time. What if your string instrument gets damaged beyond repair? Or, considering the worst-case scenario, what if it gets stolen? Dear reader, no one other than you can understand the consequences of such mishaps. What if your next gig is in a couple of days? What if you’re preparing for an audition? As you are not sure what future has in store for you, considering a String Instrument Insurance policy is a good idea.

Peace of mind is important

It won't be exaggerating to say that, for an artist, nothing can be as disheartening as losing his or her instrument. Like any other insurance plan, the right musical instrument coverage can help you stay prepared for such economically and emotionally draining situations. Buying the right Musical Instrument Insurance not only ensures proper coverage in case of theft and damage but also peace of mind. Therefore, regardless of the musical genre, every musician should get his or her instrument the best possible coverage.

Will your homeowner’s insurance policy cover your string instruments?

Although some homeowner’s insurance plans do cover your instruments’ cost in case of theft or damage due to fire, it’s recommended to get your strings a specified coverage. And why so? The reasons - most of the policies don’t cover accidental breakage and damage during transporting or traveling and do not offer instrument replacement. So, whether you are an amateur or a professional, the best way to protect your instrument is to get a dedicated Musical Instrument Insurance. By doing so, you can ensure that you have more options to protect your strings.

What options you can avail with string insurance?

There are a number of Instrument Insurance plans available in the market. The extent of coverage varies from one policy to the other. So, you should check with the service provider to understand which insurance plan offers what, beforehand.

Always remember that unlike blanket insurance policies, getting a dedicated cover for your string instrument allows you to avail of more options and benefits. Let’s take a look at the same!

The right Musical Instrument Insurance plan covers your string insurance in the following scenarios –

•    If it’s broken accidentally
•    If it gets damaged due to earthquake and flood
•    Mishaps during transit or while performing

What benefits can you avail with suitable insurance for your string insurance?

The extent of coverage and benefits might differ from one service provider to the other. However, there is a standard that all reputed insurers follow. Read on to know more about the benefits you can avail -

•    Guaranteed cost of replacement – With the right String Instrument Insurance, you can avail the value of insuring your string instrument as your claim amount.

•    Cost of replacement instrument – It covers the cost of a replacement instrument. It ensured that you don’t have to miss an important show or audition just because your instrument is lost or stolen.

•    Cover the musical accessories – Some insurance policies also allow you to include the accessories as well, such as music stands, bow, sheet music, and so on.

A note to the musician

Is your instrument like your extended body part you cannot live without? If so, then get a String Instrument Insurance right away!

How to Protect Your Musical Instruments from Common Damages

Music instruments are costly, also very fragile and that is the reason that they should be dealt with and kept up cautiously to guarantee their security and long life. Many common damages can harm your musical instrument. Regardless of whether you're an artist or a music fan, it's essential to know about these dangers so you'll realize how to appropriately deal with your instruments and understand issues, if necessary. However, insurance for musical instrument repairers can be a more proper way to protect your instruments.

Let's know about some of the most common damages which can be painful for you and your instruments:

•    Protect from Water and Moisture: As you are probably are aware, most musical instruments are made of wood, which means they effectively retain water from the environment. If your instruments are presented to water, they may make the wood become distorted, broken, or weak, and may make your instrument not work appropriately. It can likewise cause shape change, which can be unsafe for your favorite musical instruments. In most of the cases, just protection from water won’t help you need to get your instrument insured from a good music insurance company.

•    Protect from Exposure to Sun and Heat: Too much exposure to heat can likewise harm your instruments. An excessive amount of heat can weaken the paste that holds the pieces of your instrument together, making it break. It can likewise cause metal instruments, for example, saxophones, to twist and sound ineffectively.

•    Not Storing Properly: Incorrect way of storing music instruments is another famous reason for the harm that decreases the life of instruments. This is especially valid for wooden instruments as they become very weak when exposed to too much heat, sun or water. Inappropriate storage can likewise prompt different issues, for example, dust develops, shape change, and even burglary.

•    Attack from Insects: Bug invasion is likely the most awful type of harm that your instrument can face. It doesn't just change the structure or separate the segments of your instrument; rather it can destroy the whole of it.

•    Not Cleaning Regularly: Given the delicate build and attack of dust from the environment to your music instruments. So, it makes sense to regularly and properly clean the instruments, making sure the dust is cleaned completely. But just keeping clean won’t help always you should choose the music insurance company and get your instruments insured.

These are just a portion of the dangers that can damage your music instruments. Obviously, as an artist or a music fan, it's insufficient to know about these dangers; rather you must realize how to avert them so you can make sure to keep your instrument in its great condition. But there are also many unknown damages which can harm the instruments so insurance for musical instrument repairers is the best deal.

To spare your pockets from such painful and damaging occasions, you should put your resources into decent insurance. The protection for music instrument repairer will enable you to guarantee you don't need to pay for any of the harms that are not brought about by you from your pockets.

When selecting a music insurance company, it is significant you pick the correct supplier who can give you a cost-effective and simple plan. You can search online to find a decent supplier or offline. You should look at the reviews, the customized plan offered, the cost to benefit ratio, etc. while deciding music insurance company.