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Secure Your Peril-prone Strings With Standalone String Instrument Insurance

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By Author: victor12johnson
Total Articles: 52
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You might often think that why on Earth do you need insurance. However, you do need insurance for things you least expect in our lives. And, therefore, insurance is more like a precautionary measure that prepares you financially to face possible uncertainties in life. So, you need it before the misfortune strikes. The same stands true for musical instruments too. So, if you play string instruments, a String Instrument Insurance is like your armor in tough times.

What should be the right value in which you should insure your gear? If you consider a policy equal to the price of your instrument, you should give a second thought to it.

Here is why!

Let’s suppose your string is not much expensive.
However, when you add a few accessories like some bows, a microphone, a packing case, etc., the total value will go up really fast. And, then you’ll find musical instrument insurance a smart option to bank upon, especially when your gear earns you bread and butter and you cannot afford to get a new one or even a replacement.

There are certain things you should learn before getting a String Instrument Insurance. Although most of the musical instrument plans offer similar services, there might be some differences.

For example -

Some insurance providers cover wooden instruments and dealers. Whereas, some insurers focus on covering rental fleets, schools, and students. And, then there are insurance policies that offer comprehensive cover.

So, you should choose one that meets your requirements while providing sufficient coverage.

Where to begin?

You should begin by doing your homework. Learn about the insurance companies you are considering as options. Search on the internet to understand their services, specialties, and the extent of coverage they offer. Once done with researching, you should make a list of your requirements and give follow-up calls to the companies.

One-Size-is-not-for-all!

Peril coverage, deductibles, and premiums vary from one company to the other. And, these mainly depend on what is being covered and the extent of coverage. Most importantly, there is nothing called the best in the industry because one policy does not fit all requirements and everyone’s requirements. Therefore, you should select the policy according to your needs.

Needless to mention, string instruments are peril-prone. Plus, bows are fragile and high-risk gears too. So, these will add to the cost of the policy. And, if you want to cover your insurance for theft, it will further increase the cost of the insurance. So, first of all, decide on what you want, and then look for a policy.

Worldwide coverage means a great deal!

String instrument coverage plans are specially designed to cover situations confronted by musicians. And, as musicians are likely to travel for shows, with customer-centric insurance companies, you are more likely to get worldwide coverage.

Coverage for rental instruments!

Sometimes, musicians do take instruments and associated accessories on rent or trial. What if you lost or damaged the rental gear or someone steals your instrument that you got on-trial? Check with your insurer if they cover similar circumstances or not.

Property insurance might not be enough for a musician!

Property insurance covers situations like damage, flood, fire, and theft. So, what else is left uncovered? You might think this way. Your property insurance may not cover your cello or any other string instrument if, things take an unfortunate turn outside your property. You are smart enough to get the point.

Don’t let devaluation demotivate you!

As far as musical instrument cover is concerned, especially string instruments, you cannot let go of an important aspect, i.e. devaluation. A crack in the soundpost or a damaged bow-head can devalue your instrument by 50% to 80%. So, a policy that offers devaluation coverage is the safest bet for such situations. It will not only pay for the related repairs but also for the difference between the sum insured and the cost of your gear after being repaired.

A standalone policy is great!

An advantage of standalone string instrument policies is - you need to deal with people, who know a musician's world. They might not be musicians. However, they are familiar with the needs of a string player and understand how and when disasters can wreak havoc on a player's life. So, they can help you in the best possible way.

Besides insurance coverage, premiums, deductibles, and all sorts of technicalities involved with String Instrument Insurance, you should also consider a company that offers impeccable customer care services. The reason - it’s them who you’ll be dealing with once you have the insurance plan.

So, be informed and choose the right musical instrument service provider.

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