Flute Instrument Insurance And Its Coverages

By Author: josephwhite
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Musical instruments are integral to a musician’s life and living. Hence, they go the extra mile to make sure that their musical gears and concerning accessories stay safe and protected. So, what kind of instrument do you play? If it is a flute, then you have come to the right page. Regardless of the years of professional experience and standing, every flute owner should have a dedicated insurance plan for his/her instrument in place. It ensures the complete safety of the gear against unexpected situations.

Still, relying on your home insurance?

Like many other musical instrument owners, if you consider your home insurance plan to be your savior in the tough times, you might be making a mistake. Yes, you heard it right. So, before we move on to what coverage options you are likely to get with a standalone Flute Insurance, let's find out how and when your home insurance does not come in handy.

● Most home insurance plans are likely to have a limited extent of coverage for musical instruments with a number of ifs and but in the listicle. However, an instrument-specific plan covers it all.

● When ...
... it comes to responding to an insurance claim, most home insurance plans will not show up or reply to your claim if you have been using your gear commercially. In such cases, they consider it as a professional or business use. So, if something happens to your flute during a paid performance, your home insurance is least likely to pay. However, Flute Insurance, with a reliable musical instrument insurance company, covers both casual, as well as, professional use.

Although many other reasons tell that only your home insurance is not enough to offer comprehensive coverage to your flute, the above-mentioned pointers say it all. Isn’t it?

Coverage options you get with a dedicated Flute Insurance

Now that you are aware of the limitations of your home insurance plan, let us have a look at the coverage options you are likely to get with a reputable and customer-oriented musical insurance instrument provider.

● An instrument-specific insurance plan offers complete coverage to your flute, no matter whether you use it for professional or personal use. And, it is available at no extra expense.

● You are most likely to get all-risk cover options when you choose a trustworthy insurance company.

● Irrespective of where you are on the earth, your flute protection plan will continue to cover your gears. Yes, we are talking about worldwide coverage. It is especially a good thing for touring artists.

● An added advantage of buying a dedicated insurance plan from a good insurance company is - you can tailor your policy according to your needs and budget. So you do not have to pay for a cover or a clause that you do not need.

What types of coverage are you likely to get with a dedicated insurance plan?

The types and extent of coverage might vary from one insurer to the other. However, the standard coverage you are likely to get might include the following:

All-peril cover: It means that your gears are protected against all risks. It includes - flood, earthquake, thunderstorm, rain, theft, vandalism, robbery, and accidental damages.

Public liability cover: It is one of the most important coverage options that all musicians and musical instrument holder’s must-have. As the name suggests, it protects you against public liabilities. And needless to mention, such liabilities associated with your professional can be very expensive and mentally draining.

These are two of the most critical coverage options you get with an all-encompassing insurance policy. So, do not wait anymore and get the best insurance protection plan for your musical instruments.