Choosing the Best Insurance for Appraisers – Types, Features, and Coverage to Consider

Be it a newly bought property or some inherited musical instrument, an appraisal is critical to get it insured. As a trained and certified appraiser, you leave no stone unturned to determine the quality, value, or worth of things of your customers with your unique set of skills. But with more people becoming aware of safeguarding their possessions, the role of the appraiser is getting riskier. It is important to be prepared for handling the losses owing to the damage or repairing of assets and liabilities that may come your way for evaluation. Here comes the significance of insurance for appraisers. With this article, we will help you walk through the steps of choosing the best policy coverage to match the premium needs of the assessors.

Risks Involved in the Job of an Appraiser

An insurance appraiser follows a highly structured process to estimate the asset or property value, its market value, and its potential future earnings. The eligibility of the customer, type of insurance, and policy coverage are decided by the insurance provider based on his valuable suggestions only. Apart from investigating, evaluating, and settling insurance claims, appraisers also need to keep claim files, negotiate settlements, conferring with legal counsel, and authorize payments. Typically, a body of professional methods and standards are used for the accurate valuation from multiple perspectives in order to facilitate the financial transactions for personal as well as commercial purposes. However, an appraiser can end up making mistakes while doing the business, thus posing himself at risk. These can include anything like causing physical damage to the insured items, injuring himself or any other person, incurring financial losses to the customers due to improper assessment, and even meeting an accident.

Why Do Appraisers Need Insurances?

Just like appraisers help their customers protect their precious items with insurance, they also need the right coverage to shield themselves from different physical and financial risks in their line of work. Even a small mistake can bring on huge consequences, such as legal battles and court appearances, thereby resulting in a big hit on the appraisal business itself. While substantial valuation errors committed cannot be undone, a uniquely formulated insurance policy for the appraisers can work as a precautionary step for covering them against all those mistakes.

What are Insurance Programs for Appraisers?

An insurance program for appraisers primarily focuses on addressing their distinct exposures that can lead to financial harm to one of the parties involved. This makes it easy for professionals to deal with situations when they are sued or challenged for negligence, erroneous advice, service mistakes, or omissions. Buying the policy from a reputed insurance agency is also necessary as it helps in getting the best offers at the right prices. Following are the features that appraisers must consider while thinking of an insurance program:

•     A reliable and well-experienced service provider

•     Personalized and all-inclusive insurance policy

•     Extensive coverage to protect from all potential risks

•     Affordable policy premiums to suit the budget

Selecting the Right Policies for Appraisers

When it comes to selecting the right type of insurance, there is no one-size-fits-all solution. Based on the types of business as well as the services offered, an appraiser needs to go for a fully comprehensive set of policies that is tailored perfectly to his exclusive requirements. Some of the most common types of policies to consider are Professional Liability Insurance, General Liability Insurance, Commercial Vehicle Insurance, Workers Compensation Insurance, and so on.

Choosing the right insurance for appraisers may sound tricky, but it can ensure complete peace of mind if done carefully. So, take your time to research on it and make a wise selection to keep your career protected forever.

How Beneficial is a String Instrument Insurance Policy?

If you are a string instrument player, you know that it takes a lot of care and proper maintenance to keep your gear playing flawlessly. To make your stings weave magic every time you play it, you need to wipe it, fix the strings, and adjust the position of the sound post and bridge from time to time. Doing all these will keep your instrument in good shape while protecting it for years to come from the possible damages. 

What about the unforeseen events?

However, have you thought about the sudden and unexpected events that life can throw at you? Yes, we are talking about accidents. Although we refrain from thinking about the unforeseen, as much as possible, misfortune can knock you down at any point of time. So, how can you keep up with it? How can you protect your string instrument, be it guitar, violin, cello, or something else from accidents? It’s by getting a suitable String Instrument Insurance from a reputable insurance provider. Such insurance policies protect you against many scenarios. It includes - loss, damage, costs of replacing or buying, and a lot more.

It’s good to be nitpicky and informed

As a professional musician, parents, or students, you might have got a lot of questions to ask about musical instrument insurance. How to find an adequate insurance plan? Will investing in a string instrument cover worth the deal? What are the benefits of getting one when you already have a homeowner’s insurance cover? These and many more, going through this content will help you get a proper insight into the benefits and features of string instrument coverage. So, let’s dive in!

Is your homeowner’s insurance not enough?

Well, although some rental or homeowner’s plans do cover your gear in case of theft or loss, it happens under some specific scenarios. Those are - firstly if you’ve specifically included it in your policy. And secondly, if something happened to your instrument within the premises of your home. However, when you take a dedicated insurance plan, it covers a lot more scenarios related to your performances that are otherwise excluded. Let’s find those out -

The benefits and features of a dedicated string instrument cover

A standalone musical instrument insurance plan taken from a reputable insurance agency will provide you with the cost of replacements and repairs under the following scenarios -

●    If your instrument is accidentally broken
●    If you lose or damage your strings to flood, earthquake, thunderstorm, and similar elements of nature
●    If you lose or damage your instrument during a show or transit

In addition to the above-mentioned coverage, you are also likely to leverage the following benefits -

●    When you make a claim, you get guaranteed costs of replacement at the amount in which you covered your guitar or violin.

●    You get the cost of a replacement instrument so that you can carry on with your performance in an audition or show.

●    You can avail worldwide coverage so that your instrument and finances are covered no matter where you go.

●    Adequate insurance cover not only for the instrument but related accessories including - music stands, bow, mic, sheet music, etc.

Certain musical instrument insurance plans provide you with the benefit of repurchasing a string instrument if your gear is lost or stolen. Moreover, most musicians form a deep connection with their instruments. And, therefore, many policies allow them to retain the undamaged parts if any. Do check with your prospective insurance providers, whether or not they offer the same program.

How much does standalone musical instrument insurance cost?

The cost of insurance policies with a customer-oriented service provider won’t burn holes in your pocket. Basically, their price ranges from a minimum of $0.75 to $2.00/$100 in cover. Also, once you do the Price-Value Analysis, you will find that the benefits you are likely to leverage will surpass the cost of the policy itself.

So, the bottom line is, when you have the assurance of a String Instrument Insurance, both your instrument and your finances are protected.

Tips to Maintain Your Woodwind Gear and Importance of Woodwinds Insurance

Musical instruments are fragile. And, owing to the amount of precision and fineness that goes into manufacturing these gears, time to time maintenance and care are a must. So if you are a professional musician or an amateur music enthusiast, always remember, a well-maintained gear offers the best playability. Plus, maintenance also increases the life of the musical instruments and protects these from easy breakage or damage.

Maintaining musical instruments is especially crucial for young people who generally don’t get time to take proper care of their woodwinds. In this world of quick-fixes, just a couple of minutes of daily care are sufficient to get your horns performing well for many years.

Don’t overlook the importance of musical insurance

And, another important thing is Woodwinds Insurance. To protect your gear from the unforeseen situations, you should get proper insurance coverage. And, when your gear is well-maintained and well-protected insurance, you can take a sigh of great relief.

Here we have outlined some easy care tips that will keep your woodwind performing great for years to come. Let’s read on!

General cleaning instructions for all woodwinds

●        Make sure to clean your instruments using a gear-specific swab post every playing session. And, never leave the swabs inside the horn, no matter what.

●        Make sure not to use a cleaning cloth that’s way larger than your instrument. Musical gears like piccolos and oboes have got small bores. So, you might find it difficult to clean than using a large piece of cloth.

●        Clean your instrument, as and when needed, to get rid of the grease and fingerprints. Refrain from using alcohol to clean the parts made up of plastic.

●        Besides taking care of the instrument, you should also consider checking out the case to ensure that the handles, hinges, and latches are properly. Also, make sure to keep the inside of the case clean.

Instrument-specific maintenance instructions

Piccolo or Flute

●        Keep all the sockets and tenons neat and clean.

●        If you’ve got a silver flute, avoid polishing it on your own as it can cause further damage to the instruments.

●        Make sure to check the seal of the head cork along with its position.

●        You should only use a standard cleaning cloth for cleaning your gear.

Oboe or Clarinet

●        Always keep the tenons lubricated, but make sure not to overdo it.

●        Check out the bell rings and sockets to find if they are in place or have gotten loose.

●        If your clarinet is a wooden one, check for leaks and cracks at least once in a year.

●        If your gear is made up of brass, make sure to clean the sockets and tenons regularly.

Saxophone

●        Keep all the sockets and tenons neat and clean and well-lubricated. Avoid over-lubricating those

●        Make sure to check out the guard screws on a weekly basis.

●        To prevent your saxophone for damaging due to the bottom blow, make sure to use a neck strap.

Bassoon

●        Make sure that the bocal corks and tenons of your bassoon are well-lubricated.

●        Be very careful when assembling your gear because a little bit of carelessness can damage the whisper key bridge and pad.

●        If your gear is a wooden one, check for leaks and cracks at least once in a year.

The bottom line

No matter what kind of woodwind instrument you own, taking proper care will ensure the long-life of your thing. And, for the unfortunate and unforeseen situations, you have Woodwinds Insurance plans. Choose a good and customer-oriented insurance provider; find suitable insurance coverage and peace of mind guaranteed.

Because of the increasing popularity of musical instrument insurance plans, you will find multiple options to choose from. So how to find a reliable insurance service provider? Is this question crossing your mind at the moment? Well, such questions are quite obvious when you have plenty of options, and you don’t know which one you should go for. Make sure to choose a service provider that’s licensed and registered. It will ensure best-in-class and hassle-free services. Also, before you begin searching for an insurance company, make sure to understand your specific needs in the first place. When you know what you want, it becomes easier to find the right option.

Things You Need To Keep In Your Mind When Choosing Music Insurance Company

Are you a musical instrument enthusiast? Or, someone from the entertainment industry? If you have a passion for the art of music and you play or own one or multiple instruments, and you think that your homeowner’s insurance plan will cover those, you need to stop and reconsider.

Imagine –

What if miscreants break into your cube truck, while you were attending an important meeting regarding your upcoming show?

What if your home is flooded due to heavy rainfall, damaging your instrument's corner?

What if a crew member damaged your gear out of excitement? Or,

What a customer suffered severe injuries when a guitar toppled over his head while looking around the aisle?

All your what-ifs have only one solution, an effective one. And, it’s getting a music insurance cover from a reputable Music Insurance Company. No matter what, without your valuable instruments, you might end up hitting a rough patch in your career and life. So, better stay protected to fight all the uncertainties away.

Now that you are looking forward to buying a suitable musical insurance cover be informed, that insurance plans are practically useless if you have not selected the insurance provider wisely.

Owing to the 'boom' that the insurance industry has witnessed in the last couple of years, people have started paying more importance to buy insurance plans for almost everything. And, due to this growth, many companies have dived into the music instrument insurance industry. Therefore, you have a wide range of options to choose from. And, therefore, choosing the right insurance partner seems challenging.

The issue here is - out of the many insurance service providers, almost everyone claims to be the best and affirms selling comprehensive and tailored plans. Therefore, it is highly advisable to consider some important aspects when buying a musical instrument cover. It will make sure that you get to leverage the most of your insurance plan. Let’s take a quick look at some of the most crucial things you need to keep in your mind when choosing a Music Insurance Company -

Be an informed buyer

You should not get carried away, never! When talking to potential companies, you need to keep your eyes and ears open. It is quite obvious that they’ll show you that everything about their policies is just perfect. And, this is where the catch is. So, instead of getting carried away, look beyond what is shown to you, and choose a plan that will meet your requirements.

Consider taking expert advice

It is always a good idea to consider what the industry experts think. In this regard, you can get in touch with a financial expert. He can help you understand the intricacies associated with the insurance policies and choose the right one. Or else, you can talk to someone who already has insurance coverage for his or her musical instruments.

Do ignore the figures

Another crucial thing you should not overlook while choosing an insurance policy is the figures. Yes, until and unless things like sum insured, premiums, deductibles, and no claim bonus, etc. aren't clear, you should not finalize the deal. The reason - these are the figures based on which the total cost of insurance will be calculated. Check if or not you’ll be able to pay off the premiums on time.

Thoroughly understand the terms and conditions

Although terms and conditions across insurance companies are more likely to be standard, certain company-specific clauses might be there. So, you need to read the terms and conditions carefully. If needed, read those twice or thrice for better understanding. If you find that the terms and conditions are suitable for you, then only go for it. Make sure not to sign the agreement papers, if you are not sure what the terms and conditions talk about. However, when you choose a reliable and customer-oriented service provider, you choose transparency and trust.

As your musical instrument is very close to your heart and your lifeline, you would never want to take any chance when it comes to securing it against the odds. Therefore, you need to choose a Music Insurance Company carefully. If you choose a policy and a service provider in a hurry, you might end up missing cover for the aspects you want. Also, make sure to create a list of times you want to insure with their price values. It would be good both for you as well as your potential service provider. Moreover, watch out for all the endorsements and credentials before choosing a company.

Want to Safeguard Your Music Business? Consider Music Dealer Insurance

Nowadays, selling musical instruments has become one of the most lucrative businesses in America as well as around the world. But the biggest challenge most music dealers face is to keep pace with the increasing level of competition. Well, the very first step such businesses need to take for this is to protect themselves against all possible threats. This will help them deal with financial setbacks effectively and survive the industry successfully.

Comprehensive online music dealer insurance can work as a potential tool for this purpose. It ensures that the music dealers deliver the best services while keeping their monetary interests shielded. Do you own a music store too? Then you should also be aware of the right insurance plans providing substantial coverage, which can help you take care of your investment by mitigating many unique risks. Keep reading.

What is Insurance for Music Dealers?

It is a specialized form of music insurance intended for the music store owners, which helps them, cope up with financial loss or damage in their businesses. As the owner of a music store, you must need to stock up tons of music gear for selling, renting, or repairing. When something goes wrong, the safety of these highly expensive instruments comes at stake. It may also destroy the valuable accessories and equipment that are housed inside. But with the right policy in place, you can stay worry-free even during the most unexpected situations as there is no need to shell money out of your pocket.

Why Should You Insure Your Music Business?

When you purchase a specialized insurance policy for your music business, you receive fully personalized coverage for your inventory. In fact, such policies can keep your store’s property covered at the highest levels even if the inventory keeps changing throughout the year. Thus, you are never forced into a grave financial mess. Furthermore, you can always discuss your situation with your insurance agent in detail so that he or she can assess your needs well. It will help you get an all-inclusive package, which will keep your business afloat for years to come. Hence, insurance is considered a must for every music business. It can truly offer you complete peace of mind by keeping all professional hazards away.

What are the Features of This Coverage?

While purchasing an insurance plan for your music store, make sure that you get the best deal for covering all the risks inherent to the industry. A good insurance company will exclusively cater to your business requirements by offering you quite a several custom coverage options to choose from. Following are some of the most interesting features of such insurance programs:

• Offers comprehensive and fully personalized plans to keep businesses protected from all financial liabilities
• Provides coverage for all store inventory including musical instruments, accessories, tools, advanced equipment
• Provides coverage for workshop machinery too
• Ensures complete protection of the inventory from accidental loss or damage
• Shields all the inventory from natural disasters (flood, wind, earthquake, etc.), fire, and theft
• Covers non-physical damage resulted from activities like the dishonesty of employees, false advertising, etc.
• Safeguards third parties from accidents during business-related events (physical the injury along with the medical costs)
• Insures the instruments that are brought in the store for repairing or maintenance purposes
• Protects the property from accidental damage even if it is a rented one

By investing in a music dealer insurance, you actually entitle yourself for some incredible benefits. All you need to do is pick the right insurance for your business and get your financial liabilities shared. However, it is imperative to choose a reputed and reliable insurance provider with sufficient understanding, expertise, and experience in the music industry. This will not only help you find an extensive plan for a strong monetary backup but also let you enjoy the best customer service with the highest level of professionalism.

Benefits, Types and Coverage of Brass Musical Insurance

Are you a seasoned musician who performs professionally across the globe? Or, do you love to play with your favorite musical instruments at your home studio just as an amateur musician? Whatever your status is, you simply cannot deny the significance of musical insurance to protect the investment you made in your gear. There are multiple aspects of such coverage and you are free to choose the best one as per your needs. But with the increasing popularity of brass musical insurance in many industrial towns and villages, it always tops the chart. If you also own one or more brass musical instruments and have no idea how to safeguard them, you have come to the right place; Let us guide you through your brass instrument insurance journey by providing all necessary information about it.

What is Brass Instrument Insurance?

Before jumping into the details of the coverage, here is a brief description of brass instrument insurance itself. This musical insurance policy is specifically designed for instruments in which the pitches of sound are changed by blowing air through the mouthpieces. It does not matter whether the material of the instrument is brass or wood. As long as it produces a rich brassy sound, it is called a brass musical instrument. A specially developed insurance policy for it can protect the music gear from all sorts of risks including theft, loss, and damage so that you do not end up paying again for its repairing or replacement due to unavoidable incidents.

Why Get Your Brass Instruments Insured?

Well, the benefits of brass instrument insurance are manifold. Being specialist music insurance, it can work as a complete package for you. Here is why you should get one for yourself now:

1. It is for every musician irrespective of his career profile, number of instruments he owns, and his level of earning.
2. Customized yet comprehensive policies can be offered depending on your unique requirements.
3. There is no need to worry about the fragile brass instruments whilst in transit as they remain covered fully.
4. The gear remains safe both in and out of the home to give you complete peace of mind.
5. You can get your brass instruments either replaced or repaired swiftly without spending extra money.
6. The competitive covers can suit your budget even if you are a casual brass instrument player.

Types of Brass Instruments Covered

Brass musical instruments can be of different types and some of them are even considered to be the most classical pieces. Popular music genres like jazz, orchestra, etc. are incomplete without a brass band, which signifies a music ensemble comprising a standard range of instruments from the brass instrument family. This entire range of gear is, typically, insurable under the brass instrument insurance.

Some of the most common items in a brass band include French Horn, alto horn, baritone horn, flugelhorn, post horn, tenor horn, saxhorn, bugle, contrabass bugle, cornet, soprano cornet, mellophone, trombone, saxotromba, buccina, trumpet, helicon, tuba, saxtuba, Roman tuba, euphonium, and so on. However, it is not at all a comprehensive list and you can be offered the right cover for any other similar equipment by a professional insurance service provider.

Features of Brass Instrument Insurance Coverage

As a brass instrument player or collector, you will need to maintain the distinctive sound of your equipment while ensuring that it looks as good as new always. Thankfully, a policy by a reliable company can help you a lot. Following are the key features of coverage that can keep your instruments protected:

• It protects from common risks, such as theft, loss, accidental damage, etc.
• Shields from attempted theft, vandalism, fire, and natural disasters (flood, wind, earthquake)
• Covers against public liability for third party accident or injury and damage during performances
• Ensures the safety of the instruments on the move as well as when left unattended in vehicles
• Extends the cover worldwide so that you can take your policy along with you everywhere

Nevertheless, the coverage of brass instrument insurance can vary from one policy to another. Some optional features offered by companies are equipment hire, mechanical breakdown, loss of earning, and so forth. In short, if you want to retain the bright, melodic sounds of your brass instruments, you have to opt for good brass musical insurance. Just choose one and stay secured!

Why Having a Music Studio Insurance is a Must for Every Studio Owner?

Owning a recording studio is not all about producing good sound and celebrating the creative spirit. It is also a responsibility that gives way to more music as well as the people associated with it. If you focus only on the creative aspect of your job and ignore the risk it brings to all your equipment and accessories, you are doing it wrong. Whether you record music at your small at-home studio set up just out of a hobby or make money by working as a professional studio owner, you need an insurance policy to cover all your gear. You may have not considered purchasing music studio insurance yet but it is high time to think about one for protecting the assets and liabilities. Let us explore why having the right coverage is essential for all recording studio owners.

What is Recording Studio Insurance?

As the name implies, recording studio insurance is a certain kind of business insurance policy that is exclusively designed for music studio owners. It usually covers the entire recording space while protecting it from third-party lawsuits during unexpected circumstances. It also ensures valuable musical instruments from damage and loss when the owner is traveling. You can always get customized coverage options for recording studio insurance based on the specific requirements of your studio.

Why Should You Insure Your Studio?

The most common question asked by studio owners is “why do I need to ensure my recording studio?” Well, we have listed down the reasons which make insurance a must for every person having a professional or at-home recording studio:

• Even if your home recording studio is simply a room in your house or property, the musical and electrical equipment used there need to be insured for the optimal safety and security. While you may think that a homeowner’s insurance policy is enough for it, such policies mostly cover your assets on-premises. For off-premise protection, you have to opt for recording studio insurance only.
• As a professional studio owner in the industry, you can either purchase a studio space or rent it out. However, it is crucial to ensure the place either way. This will ensure that you do not need to spend money in case of unwanted happenings, which could have a negative impact on your investment.
• When you have a recording business, you cannot leave the physical assets in your studio on fate. From musical instruments to electrical equipment, everything can be protected by insurance from unavoidable damage or loss.
• A studio owner is also deemed responsible for taking the greatest care of the bands he would be working with. Having insurance is necessary to protect them from all sorts of accidents and injuries that can occur while they are in your studio property.
• You may even need to deal with copyright infringement and other legal issues as a studio owner. Only recording studio insurance can give you the required protection from these.

What Does Recording Studio Insurance Cover?

Recording studio insurance policies can shield you from all common risk factors with some of its most obvious components. These include:

1. Liability Insurance Coverage

The first in this list is the liability coverage, which can save you big time if you ever find yourself on the wrong end of a lawsuit. While there are general liability coverage and product liability coverage both on and off the residence premises, you can also expect insurance for liabilities like completed operations, damage to rented premises, special events, host liquor, commercial vehicles, workers' compensation, etc.

2. Business Property Coverage

Studio insurance also takes care of the business by covering the damage to the building, its structure, and the assets inside it from fire, flood, theft, vandalism, loss, etc. Property off-premise insurance and equipment breakdown insurance is part of it too.

3. Optional Coverage

It also provides optional coverage choices for money and securities, additional insured coverage, garage keepers coverage, identity fraud expense, a continuation of income, employee dishonesty, signage, etc.

Getting a comprehensive Music studio insurance is certainly one of the most significant aspects of being successful in your recording business. Once you evaluate your needs the right way and choose the right policy to cover your bases, you can feel safe and stay protected with your studio. So, pick your insurance carefully and make the most of your recording endeavors every time.

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.