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It is a human tendency to protect the things that are valuable to us. Whether it is our home, family, vehicles, or health, we make sure to keep these safe and secure from everything that can ruin them. Right? No wonder you buy home, car, life, and health insurance policies separately.
If you are a musician, you happen to pour the same level of affection and protection towards your piccolo and other musical instruments. Because why not? Apart from being an investment for you, your musical instrument means the world to you, both financially and emotionally, especially if you are a professional.
So, have you purchased a separate insurance plan for your piccolo yet? Most musical instrument owners, when asked this question, say - they have their home insurance plans. Do you believe in the same and rely on your home insurance? If you find your home insurance policy the safest haven for your musical instruments, you should definitely give it a second thought.
Let us find out what your home insurance plan does not cover in terms of your musical instruments and what does a dedicated Piccolo Insurance cover!
Will your home insurance policy cover your musical instruments completely?
Your home insurance policy is likely to cover your belongings, including your musical instruments, provided you have enlisted them in your policy copy. However, it will not cover your gears as comprehensively as a standalone musical instrument insurance plan. So, in case of an accident involving your piccolo, you will not be covered fully. Therefore, it is wise to get a separate plan for your musical instruments.
Will your home insurance plan cover your piccolo outside your home?
Unfortunately, no. Your home insurance plan is least likely to cover your musical instruments if something happens to them outside your home. And, you will not be playing them only when you are home. Right? Therefore, get yourself a comprehensive musical instrument insurance plan before things go out of control.
Will your home insurance policy cover the gears that you use for commercial purposes?
Suppose your piccolo has been damaged beyond repair, and you have filed a compensation claim. The moment the claim officer (home insurance) will come to know that you have been using your musical instrument (insured under your home insurance) professionally, he/she will deny the claim, no matter if you have used your gear for 1 hour or $100 only. In such a condition, you will be set in financial and emotional doldrums. In order to avoid all this mess, you should get a dedicated insurance plan for your piccolo.
Will your home insurance plan cover any case of public liability involving your musical instruments?
If you play the piccolo professionally, you are prone to encountering cases of public liability almost all the time. Therefore, the public liability cover is a must-have for you. Unfortunately, if you have included your piccolo under your home insurance, it will not cover even a single scenario of third-party liability. And, you will have to bear all the medical or legal expenses on your own. However, when you have a comprehensive Piccolo Insurance plan, you are safe from all ends.
Will your home insurance plan offer worldwide coverage to your musical instruments?
Needless to mention but your home insurance policy, no matter how comprehensive it is, will not cover your musical instruments worldwide. However, when it comes to an all-encompassing musical instrument insurance plan from the house of a reputable and experienced service provider, you can take a sigh of relief. No matter where in the world you are, you can rest assure that your musical instruments are well protected.
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