Why Does Every Piano Owner Need A Reliable Piano Insurance?

The appeal of a piano is universal. From its fine material emitting sonic art to its timeless design combining the elegance and aura of refinement, everything about the musical object makes it obvious for us to fall in love with it. Then, how can we risk something so classy and aesthetic if it is that much favorite of ours? That is why a proper coverage is needed for it. Whether you are a professional pianist or the proud owner of a vintage piano, insurance for your instrument is a must for you. If you are still uncertain about insuring it, here we are to help you out. Just keep reading to know how a good piano insurance coverage can protect your piano from all unexpected liabilities.

Do You Really Need to Insure Your Piano?

Your piano is one of your biggest investments so far. Isn’t it? And it is of no doubt that the instrument is going to stay with you for lifetime. However, things can go unpredictable at times and you may end up encountering situations where it would need a full restoration. Check the following reason to know why insurance is actually the best friend of your piano:

1.                  Even a small incident of fire at home can cause smoke damage to it.

2.                  Flooding resulted from a simple pipe burst can affect it to a large extent.

3.                  A sudden damage of the roof can lead to the damage of the instrument if it allows the rain to come in. 

4.                  It can suffer from minor to major damage during as well as after transportation.

5.                  Being extremely sensitive to the environment, it can receive damage when subjected to a harsh climate like intense dryness or wetness.

6.                  If it is not placed in a climate-controlled storage during the reclamation period, the damage can go worst in just a single day.

So, why take a chance? It is much easier to purchase insurance and take the greatest care of your precious possession. This way, you can protect your piano first and get its condition evaluated later in detail.

What Kind of Insurance is good for Piano?

Just like many other musical instruments, piano is also covered by a homeowner’s policy. But such kinds of coverage come with their own limits. Unlike jewelry, computers, collectibles, and other special items, your piano will be classified as ‘general household goods’ and you will need a personal property insurance rider for it. Moreover, you will have to review the policy for ‘market value’ or ‘replacement value’. Only getting a specific piano insurance policy can eliminate all these hassles and give you complete peace of mind.

However, the types of piano are many and so are the number of insurances intended for them. It is no wonder that you will feel overwhelmed about picking and purchasing the right coverage as a newbie. The best thing about a stand-alone musical instrument insurance policy is that you can customize its features according to your own requirements, which ensures the best protection for your piano. All you need to do is discuss your unique needs with your agent to find the best deal.

Last but not least; maintain a record of everything regarding your piano including the brand name, model name, size, serial number, etc. along with its clear images. This basic information is essential to determine the replacement value of the instrument. This will also help you file your claim whenever needed and ensure that it does not get rejected in any way.

While you cannot change the circumstances, you can definitely take precautions to combat their bad impacts on your piano by opting for insurance. Hence, be smart and insure it right now.