Professional or Amateur Pianist - Why Piano Insurance is Necessary?

 

Are you a pianist? Which type of piano do you own - is it a grand, upright, specializing, digital, or a hybrid? Are you a professional or a hobbyist? Well, no matter which type of piano you play or what is your proficiency level, the very fact that you own a piano is crucial, which needs you to address certain factors. Of course, service, cleaning, repair, and maintenance are necessary. However, there is something more to it. And it is Piano Insurance. It is the highest level of care and protection you can give to your keyboard. Most importantly, for those who think that there is no need for dedicated insurance for your piano, because you already have a home insurance policy, knows, home insurance cover might not be enough.

Who and why do you need an instrument-specific insurance plan?

There are many reasons why you should opt for a dedicated insurance plan for your musical instruments. Here, we will discuss who should and why to go for the same. Let's read along!

Does playing the piano make your livelihood?

If yes, then there is no debate about it. An instrument-specific musical instrument protection policy from a reputable insurance provider can help you with a lot of scenarios, such as provide you with the cost of replacement if your piano is damaged, lost, or stolen. Such policies cover multiple situations, including rain, snowfall, thunderstorm, earthquake, flood, fire, theft, and robbery, among others. Industry experts say that a professional musician should maintain at least a certain level of instrument protection to refrain from inviting more bad luck like canceling a concert because his or her instrument is broken, lost, or stolen.

Do you collect high-value and vintage musical gear?

You have seldom played a musical instrument. Alright! Still, the risks remain the same as with a professional musician. You have been collecting these precious pieces all these years for a reason. You are passionate about musical instruments. Right? So, perhaps, you cannot let it be if your collection is damaged or stolen away just like that. Having musical instrument insurance ensures that your instrument collection is financially safe, and you are emotionally sound.

Do you travel with your musical instruments or ship them frequently?

Always remember, the more your subject your piano or other musical instruments to shipping and traveling with you, the more likely these are prone to damage and theft. Isn't it? Therefore, do get a Piano Insurance for complete peace of mind. It makes sure that in the worst-case scenario, where your gears get damaged or stolen away while in transit, you are financially safe. Also, there is one more situation where instrument owners ship their musical instruments to be displayed in exhibitions and museums. Have you been doing this as well? If so, then also instrument-specific policies are imperative.

What are the situations when your insurance policy comes in handy?

An all-encompassing musical instrument insurance policy covers your gears against the following situations -

●        Damage or loss as a result of elements of nature, including - earthquake, fire, flood, thunderstorm, and rainfall, among others.

●        Damage or loss due to cases of theft, vandalism, and robbery.

●        Financial loss as a result of any third-party liability.

An important consideration

Policy terms and conditions and the methods of working out on all the mathematics and calculations associated with insurance policies are likely to vary from one service provider to the other. So, before going into any agreement with your insurance partner, make sure to understand your plan in detail. This will help you purchase the most suitable musical instrument insurance policy without any hassle.