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What Are The Costs And Benefits Of Getting Musical Instrument Insurance?

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By Author: michal jordan
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Getting musical instrument insurance may feel like an unnecessary luxury to some, but the reality is quite different. Musical instruments can cost a significant amount of money, and repairing them or replacing them can be rather costly as well.

As a musician, you probably consider your musical instrument to be one of your most prized possessions. You value the time and effort put into finding the perfect musical instrument, and you value the money you spent on it. The thought of it getting damaged or lost is a nightmare – especially if you depend on your musical instrument to earn a living.

No matter how careful you might be when it comes to your instrument's protection, life doesn't always go as planned.
When things do go wrong, having musical instrument insurance can help you get back to playing your music and further honing your craft much sooner.

The Pros and the Cons of Getting Musical Instrument Insurance

Not everyone who owns musical instruments thinks they need to insure them. For example, if you own a violin or viola that primarily acts as a display piece rather than something you play, you may assume that musical instrument insurance is not needed. However, accidents can still occur inside your home, and those valuable or cherished instruments need to be protected.

For professional musicians who depend on their music to make a living, getting specialized insurance for their instruments is necessary. While proper instrument care is essential, it will not guarantee that your valuable musical instrument will last forever. Accidents, theft, and other things that can damage or destroy your precious instrument happen all the time, whether in the safety of your home or on the road. Repairing it or buying a new instrument out-of-pocket can be quite expensive, time-consuming, and stressful.

Musical instrument insurance will save you a lot of trouble and
expense, as it offers coverage for both repairing and replacing your damaged, lost, or stolen instruments. If you are a collector of rare, expensive, or irreplaceable instruments, musical instrument insurance is essential for you. It will help cover both the cost of any repairs in case something goes wrong and any resulting depreciation in your instruments' value.

Why Get Clarion's Specialized Musical Instrument Insurance?

Getting musical instrument coverage as a part of your homeowners' insurance policy is an option for protecting your instruments, but it may not be the best one. In most cases, homeowners' insurance is inadequate, as it only covers damage from specific causes stipulated on your policy. These policies also typically only cover a small percentage of the insured instrument's value, meaning that your valuable instruments may receive insufficient protection, and having inadequate insurance is more or less like having none at all.

A specialized musical instrument insurance policy offers you the peace of mind you need, so you can focus on your music rather than worrying about the hassles of insurance. Clarion's specialized musical instrument insurance provides complete comprehensive coverage for all of your musical instruments and equipment. We have developed unique policies designed for owners of musical instruments and recording equipment. We have been serving musicians for more than 40 years, so you can rest assured that we understand your concerns and are committed to alleviating them.

We offer coverage for various factors, including professional usage, accidental breakage, and even earthquakes and floods. We also provide coverage for borrowed or replacement instruments, offer access to a nationwide dealer network, and even offer an option to keep any undamaged parts from your beloved musical instrument after repairs.


Taking good care of your musical instrument is essential if you want to prolong your instrument's life. Unfortunately, it won't necessarily mean that your instrument will last forever. The possibility of theft or loss is always present, and accidental damage can happen at any time.

While you can't predict accidents and other misfortunes, you certainly can be prepared. A good, trusted, specialized musical instrument insurance policy will save you a lot of money and time when things go wrong, and Clarion is here to provide it.

Our musical instrument insurance offers worldwide coverage and a wide range of unique features and benefits that have made us the number one choice for over 20,000 professionals, amateurs, collectors, symphonies, instrument sellers, and dealers. Contact us for a quote today, and find out for yourself why Clarion's musical instrument insurance is synonymous with instrument protection.

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