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Insurance For Musical Instruments - Who Should Not Ignore It?

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By Author: michel
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Finely crafted musical instruments and related accessories are usually high-priced. And like any other object or gadget, these are also susceptible to damage, theft, loss, and similar undesired scenarios. And it goes without saying that repairing or getting a new one can be very heavy on your pocket. So, what can you do about it?

Dear reader, if you play musical instruments, own or sell them, repair or manufacture them, teach students or collect valuable pieces, then having a dedicated music instrument insurance plan is crucial for you. Insurance musical instruments need surpasses the benefits that any other insurance plan, say home insurance or renter's insurance, can offer, hence a standalone policy.

What is all about musical instrument insurance?

As the name suggests, it is an insurance plan especially designed for different types of musical instruments. It protects an insured gear against various kinds of unforeseen situations that might leave your musical instruments broken, lost, or stolen. Well, although a policy cannot deter an accident, it can cover you against the loss you have suffered due to ...
... a damaged or stolen gear. So, if something unwanted happens concerning your musical instruments, your insurance service provider will take care of all the expenses. You will not have to pay a single penny.

Can anybody get musical instrument insurance?

Yes, anybody who owns musical gear can buy an insurance plan. However, based on your professional standing, the cost of your musical instruments, and other relevant factors, the extent of coverage might vary. For example, if you are a pro or your musical instruments make a vital share of your livelihood, you should not say no to an insurance plan. Insurance musical instrument may need also depend on other factors, such as, how often do you travel with your gears, and how often do you play live with lots of people around.

Also, if you are a collector who curates expensive and rare pieces, then also you should not ignore getting an insurance plan. Vintage musical instruments are irreplaceable. So, if you own them, you need to ensure their protection too.


What issues does insurance for musical instruments cover?

Although it is likely to vary from one service provider to the other, the standards issues that most insurance companies cover are likely to include the following:

● Fire
● Theft
● Vandalism
● Damage due to temperature change and humidity
● Earthquakes
● Flood
● Heavy rainfall
● Hailstorms
● Tornados
● Damage or loss during shipping
● Defect in workmanship
● Repairs
● Accidental damages
● Public liability
● Loss of income

Make sure to inquire about all of these from your insurance provider before buying a policy.

Is there something a musical instrument insurance plan does not cover?

When there are advantages, there might be some downsides as well. So, yes, there are certain scenarios that no insurance provider will cover, no matter how much money you are willing to shell out. Such scenarios include:

● If you hardly play your instrument or if it is not much expensive, then spending on dedicated musical instrument insurance does not make too much sense. Then you can include it under your home insurance.

● If your musical instrument shows clear signs of negligence and carelessness from your end, then also you are less likely to get coverage.

● A musical instrument plan is less likely to cover the damages caused by regular wear and tear.

● Also, if your gear is seized by any government authority, then also a standalone plan will not extend insurance protection to your gear.


These are some of the most important things you should know about musical insurance policies. Hopefully, these will help you find the most appropriate plan for your gears.

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