Do You Need Travel Insurance For Saxophone Instruments?

By Author: micheljordan4
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If you own a saxophone, regardless of what your professional standing may be - an amateur, a student with intermediate skill, or a high-end musician, you should be particular about safeguarding your instrument and investment.

Some of the best ways to do that are -

● First of all, by installing a decent home security system in your home or recording studio
● And, secondly, by purchasing a suitable Saxophone Insurance plan

Home or renter insurance plan

When deciding on the right insurance policy for your musical instruments and related accessories, the best stand, to begin with, is your home or renter insurance. Charity begins at home, you know. Jokes apart, your home insurance or renter protection policy is more likely to cover your gears if something unwanted happens to them inside your home.

Make sure to check with your insurance service provider if there exists a designated limit for each item. Do you understand what it means? With your home insurance plan, your saxophone might not be fully protected.

Another crucial thing to be aware of here is your homeowners' insurance ...
... policy is applicable only when the damage or loss is caused by one of the many perils, such as vandalism or fire. Issues as a result of earthquakes and floods are least likely to be covered.

Plus, you get coverage for your main musical instrument only. Home or renter insurance does not cover accessories. However, when it comes to musical instrument insurance plans, they offer all-risk cover. And, they also include your accessories.

Add-on or rider on home insurance

You can also schedule your musical gear. It means that you can purchase an add-on for your saxophone on your home or renter insurance plan. Although it may increase the extent of coverage a little, the protection will still not be all-encompassing.

Travel insurance plan

If you are worried about any kind of damage or loss during travel or transportation, you can choose another option, i.e., travel insurance. Travel insurance plans that come with baggage loss benefits are likely to pay for a lost, misplaced, or damaged musical instrument.

The reason - if you have bought a travel insurance plan that offers baggage loss benefits, all your bags, along with your instruments are likely to be covered. However, then it will depend on the type and price point of your musical instrument.

Do not forget to check the amount of coverage given on your coverage confirmation document. Remember, it is the maximum sum insured that your insurance company will pay you for a covered loss.

Dedicated musical instrument coverage

If your saxophone is high-end or if you want complete peace of mind, considering a standalone Saxophone Insurance plan is the best thing to do. Most musical instruments and accessories are likely to travel with you both long and short distances and domestically and internationally. It is especially for you if you are a touring artist. In such cases, having a comprehensive musical instrument insurance plan is vital.

Moreover, if you see the reports, you will find that most frequently, the losses or damages to musical gears are caused due to breakage. Although the instances of water damage, fire, etc., are not so frequent, they can end up being very severe and heavy on your wallet. Therefore, being prepared in advance is always a wise thing. Precaution is better than cure, after all.

Some tips to protect your saxophone while traveling

● If you are traveling via air, make sure to keep your woodwind into the cabin. In case you are carrying large musical instruments like a cello, you may book an extra seat next to you.

● Make sure not to leave your musical gear unattended, whether it is your car, a bus, a train, or any other vehicle or place.

● Do not forget to take pictures of your saxophone before and after your journey. It will help you if you have filed a claim settlement case.

● If your musical instrument is lost or damaged during transit, make sure to inform your airline and insurance provider within 24 hours of the accident.

Now that you have a fairly clear idea about the insurance options you have, you are wise enough to understand if or not you need travel insurance for your saxophone or get a comprehensive musical instrument insurance plan.