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Can A Homeowners’ Policy Protect Your Brass Instrument?

By Author: victor12johnson
Total Articles: 23
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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 lives. 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.

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