You: Look! What I got! A brand new piccolo!

Friend: Wow! Your piccolo is magnificent. Did you get Piccolo Insurance for it?

You: Why on the earth do I need an insurance policy for my flute?

Friend: Because it’s necessary. Cases of musical instrument theft are not new. Then, there are other perils, as well.

You: Listen, I have a decent amount of homeowners’ insurance. So, I don’t need one. Plus, why would anyone steal my piccolo? Relax buddy!

Friend: But, then, your homeowners’ policy might not be enough as there are many if and buts associated. And, I read about piccolo theft recently, buddy.

Imagine it was the conversation you had with your friend before you got back home. Hardly did you know that the moment you’d settle on your couch and start leafing through the newspaper, you will get shocked on seeing -

“A Piccolo Worth $4000 Got Stolen From a Noted Music School!”

“Man Arrested for Burglarizing a Piccolo Worth $42, 000 From a Bar!”

Reality is no different!

Although it was a hypothetical situation just for explanation, dear reader, news like these do make headlines of many esteemed dailies quite often. So, your friend was right. You should get a dedicated music instrument insurance cover for your piccolo.

Confusions over homeowners’ insurance and protection for musical gears!

My homeowners’ policy says it does cover the musical instruments I added to the to-be-insured list. What does that mean then?

Well, your homeowners’ insurance is right. It covers the belongings you wanted to get insured. However, it has certain limitations that you should not forget. Also, it is crucial to make sure that you read all policy-related documents carefully before assuming just anything out of your mind. Here some of the most common scenarios that your homeowners’ insurance plan is very less likely to cover-

Instrument breakage!

An average homeowners’ insurance policy is less likely to cover any damage due to breakage to your musical instruments.

Any mishap outside your home

And, if something tragic happens to your piccolo outside your home (the insured premises), you are not likely to get any insurance protection.

Instruments used for commercial purposes!

Let us assume that you play for the public once in a while and earn from that. One day, you found that your piccolo has gone missing from your car. The moment you found this out, you called the homeowners’ insurance company to file a claim, and a claim adjuster had a word with you about the mishap.

As you perform for money, even if occasionally, you use your piccolo for commercial purposes. Therefore, your homeowners’ insurance policy will not cover it any longer. These are the words the claim adjuster is very likely to tell you once you report the claim that he/she comes to know that you play for money, no matter even for once or for $10 only.

Get separate musical instrument insurance, it’s crucial!

Like your car or your health are valuable, and you need separate policies for your motor vehicle and health, buying standalone Piccolo Insurance is also vital.

Get an insurance plan for your piccolo now!

Now that you have understood why every music instrument owner (no matter if he/she is a musician, a shop owner, a music teacher, or collector) needs to buy a standalone insurance policy for his/her musical instrument, find a reliable insurance company and ensure your piccolo before it's too late.

Music insurance companies are many. Make sure to choose one that offers instrument-specific, specialized, and custom-tailored insurance cover against damage, loss, theft, and other perils. Also, choose a company that has a solid background in the industry.