123ArticleOnline Logo
Welcome to 123ArticleOnline.com!
ALL >> Insurance >> View Article

Why Homeowner Insurance Is Inadequate For Your Brass Instruments?

Profile Picture
By Author: victor12johnson
Total Articles: 181
Comment this article
Facebook ShareTwitter ShareGoogle+ ShareTwitter Share

The trumpet, French horn, trombone, and tuba are four vital members of the brass family that are commonly used in an orchestra. A brass instrument has the potential to last a few decades with proper care and required safety measures.

While financial safety is concerned, most musicians get confused about the right insurance policy for their beloved gear. Many believe that since homeowner insurance covers musical equipment, it is sufficient for their valuable instruments. However, the reality is different. Being an instrument owner, you should know that the household policy does not serve the purpose of protecting your musical equipment. As a result, in this particular policy, you may miss many coverages that your brass instruments need. Whereas if you opt for Brass Musical Insurance, you can rest assured about adequate coverage for your brass instruments.

Here are some crucial coverages that homeowner insurance does not cover, whereas a dedicated musical insurance policy covers:

• As an instrument owner, you will not certainly wish to opt for a policy that covers losses up to a specific limit for your precious ...
... gear. Household insurance is a policy that covers losses only to a fixed limit. Hence, it’s always advisable to buy standalone musical insurance so that, if damages happen to your equipment, you don’t have to face any financial hazards.

• Whether at home or outside of your premises, if you have opted for specified musical insurance, you are financially well protected even if any mishap happens during transit. However, homeowner insurance covers the loss while your instrument is at home.

• The household policy covers natural calamities as well. However, do you know that if your equipment gets damaged by an earthquake or flood, your homeowner insurance will not cover the loss? The dedicated musical instrument insurance caters to all kinds of damage due to natural calamities.

• What if your valuable instruments get stolen from the parking area while unloading from a vehicle? In such a scenario, your household policy will not be of any use as it does not cover damages outside the insured premises. A dedicated Brass Musical Insurance will provide you with adequate coverage even if any robbery happens at a music event.

• As a professional musician, you should know that the coverage a musical instrument insurance company offers is more far-reaching and effective than a homeowner insurance provider, as the latter doesn’t have any suitable insurance plan for professional music players. On the other side, the former offers liability insurance designed only for professionals. If you have opted for liability insurance, you will be safe and financially secure even if a third-party file a legal case claiming an injury or personal property damage.

Are Students Eligible to Avail Themselves of the Benefit of Musical Instrument Insurance?

Whether you are an experienced musician or have just started, there is always a threat of a mishap, and you may lose your beloved gear forever. As a student, if you carry your musical equipment to your music school for practice or rehearsal, there lies a risk of it getting stolen from your bag or your beloved instrument getting broken accidentally. In such scenarios, you should opt for an insurance plan that covers the loss of a mishap to your gear.

It does not matter if the damage happens due to natural calamity or during any transit. You are well protected if you have taken dedicated musical instrument insurance. Since you spend a significant amount on the equipment, your priority is to protect your gear with comprehensive coverage that only a musical insurance company can provide.

Does Standalone Musical Insurance Cover Loss Of Income?

Irrespective of any business, it always involves risk. Being a business owner, you should be ready with a backup plan so that during any contingencies, you should not face any massive financial disaster. If you are a professional musician, there lies a chance that your earnings get halted due to a sudden mishap.

What if you get bedridden or your equipment gets severely damaged, and you take a break from your profession? In this scenario, standalone musical insurance provides loss of earning coverage that works as a backup and gives you relief from the financial crisis.


Whether you are a student or a professional player, Brass Musical Insurance is essential to get financially protected throughout your music career.

Total Views: 92Word Count: 707See All articles From Author

Add Comment

Insurance Articles

1. Navigating The Landscape Of Health Insurance Plans In India
Author: SMC

2. Explore San Ramon's Prosperity Financial Group: Your Trusted Partner In Comprehensive Financial Planning
Author: nvestment Planning, Family Wealth Management

3. Financial Landscape: Choosing The Best Loan Company In Mumbai
Author: Khephioindexia

4. Essential Tips For Ensuring Insurability Of Your Cello Instrument
Author: micheljordan4

5. Jain Insurance Agency: Your Guide To Choosing The Right Life Insurance
Author: Hannah Walker

6. The Key Differences Of Dedicated Piano And Home Insurance
Author: josephwhite176

7. Prepare For The Future With A 20 Year Retirement Plan
Author: Jane Joness

8. How To Choose The Right Pension Plan?
Author: Jane Joness

9. An Investment Plan That Can Help You Meet Your Long Term Wealth Creation Goal
Author: Jane Joness

10. Jain Insurance Agency - Tailored Dental Plans For Optimal Oral Health
Author: Hannah Walker

11. Educational Plan Calculator
Author: mentor wealth

12. Protecting Melodic Treasures - The Significance Of Brass Musical Insurance
Author: victor12johnson

13. The Ins And Outs Of Audio Equipment Insurance
Author: micheljordan4

14. Features Of Term Insurance Plan - You Need To Know Before Buying
Author: Jane Joness

15. Best Short Term Investment Plans In India
Author: Jane Joness

Login To Account
Login Email:
Forgot Password?
New User?
Sign Up Newsletter
Email Address: