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Why choose a specialist insurer when your home insurance plan already covers your flute? It is one of the most commonly asked questions, and people ask this for obvious reasons. First of all, they are mostly unaware of the pros and cons of home insurance in light of musical instruments. Secondly, they are happy with their home insurance policy.
Probably, you too have similar questions in your mind. No worries! Going through this content will help you through the queries and help you choose a reliable Flute Insurance provider.
Picture this!
Danny owns a home insurance policy and also a musical instrument. So, he decided to include his gear under his home insurance and bought an add-on.
Everything was going fine. And, he was enjoying playing the woodwind and enticing his friends and family with his newly-learned art. However, one fine day, when he was looking forward to a local music gig where he will be performing as the lead flutist, an accident happened.
While going to the concert venue for final rehearsals, Danny met with an accident. Fortunately, he escaped it safely. However, unfortunately, his gear could not make it to the venue because it got damaged due to the impact.
A reply that broke Danny from within
Danny immediately gave a call to the home insurance provider to report the accident. However, what they told shook him from inside. The agent told him, "as your flute was damaged in a road accident that does not come under the boundaries of the insured property (your home), we are sorry but we cannot cover this accident. Plus, you were using your flute for commercial purposes. Your home insurance will not cover any professional use."
He was taken aback by the response of the insurance provider's representative and felt like nothing to do and nowhere to go, and everything in between!
Dear Reader, the above situation, although hypothetical, can become a real one at any point in time. And if you like Danny and have not purchased dedicated Flute Insurance from a reputed musical instrument insurance provider yet, a similar or even worse scenario might ruin your musical career.
An insurance provider who specifically deals in insuring musical instruments makes the best choice when buying insurance for your woodwind. Here are some of the main reasons:
Easy claim settlement with no room for delay
A musical instrument insurance service provider understands your feelings about your musical gear. They know your flute is the most valuable thing for you and how much you love it. So, in case of a claim, they will make sure that you get the best possible compensation and at the earliest. However, you are less likely to get this level of coverage with your home or renter insurance plan.
All risks cover under one plan
A musical instrument insurance provider covers your gear against all possible risks, including fire, flood, earthquake, thunderstorm, rain, theft, to name some, so that you can rest assured and focus on music. However, your homeowner is less likely to provide comprehensive coverage against all this.
Accidental damage cover
Your specialized flute protection plan from a music insurance company will ensure that you get cover for accidental damages to your flute. However, your home insurance policy is least likely to compensate for any accidental damage. So, it is better to choose comprehensive coverage over an incomplete one.
Worldwide cover
It is one of the best parts of a musical instrument insurance plan because it covers you worldwide. So, no matter where on the planet you are, you know that your musical gears are safe and protected.
Are you ready to get your copy now?
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