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Everything You Must Know About Musical Instrument and Audio Equipment Insurance

When it comes to producing wonderful music, we need much more than just natural talent and artistic vibe. Even the most euphonious melody sounds incomplete without the presence of appropriate musical gear. It does not matter whether you are a simple hobbyist with a small recording setup at home or the owner of an entire studio being used for professional recording.

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Everything You Must Know About Musical Instrument and Audio Equipment Insurance

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  1. Everything You Must Know About Musical Instrument and Audio Equipment Insurance When it comes to producing wonderful music, we need much more than just natural talent and artistic vibe. Even the most euphonious melody sounds incomplete without the presence of appropriate musical gear. It does not matter whether you are a simple hobbyist with a small recording setup at home or the owner of an entire studio being used for professional recording. Investing in premium-quality musical instruments and state of the art audio recording equipment is essential for all scales of production to take the creation to the next level. So why not make an effort to keep them protected? Here comes the importance of musical instruments and audio equipment insurance. With the coverage provided by such insurance policies, you can always stay assured about the safety of your musical gear. Want to know more? Keep reading. What is Insurance for Musical Instruments and Audio Equipment? It is a type of musician’s insurance, which is specifically designed for people associated with the music industry. It makes sure that you do not need to pay out for expensive repairs or replacements during unexpected yet unavoidable circumstances.

  2. Depending on your exclusive insurance needs, this cover can insure all your beloved musical instruments as well as audio recording equipment against a myriad of different aspects. While an ordinary household policy ensures the protection of your gear inside the home, a specialized policy can safeguard your financial investment in your musical instruments and recording gear even off-premises. It also keeps your prized items well-protected instead of covering a limited percentage of their values. What Does the Insurance Policy Coverage Include? An all-inclusive musician’s instrument can cover any risks that may threaten the lives of your instruments and equipment. These include: • Theft from your insured location or home through forced and violent entry or exit • Theft away from the insured location or home, especially during transit • Theft from a securely locked motor vehicle when left unattended in it • The loss happened during the transition of the instrument or equipment • Accidental damage resulted from sudden, unintentional actions of you or others • Malicious damage caused by deliberate harm or vandalizing • Damage and loss due to fire, smoke, water, moisture, lightning, explosion, and natural disasters (flood, wind, earthquake, etc.) Which Instruments and Equipment are covered under Policy? Your musician’s insurance can shield your favorite musical gear always – in storage, on the move, and during the performance. But before purchasing one, you must know about the insurable items. Such policies usually cover all types of musical instruments along with their accessories (bags, holders, straps, cases, stands, sheet music), audiovisual equipment (lights, microphones, speakers, transmitters, amplifiers, mixing desks, PA systems), cameras and their accessories (lenses, tripods), editing and projection equipment (monitors, desktops, laptops, software), and so on. This applies to both owned and rented instruments and equipment. How to Find the Best Insurance Company for Your Policy? Now, as you have gained enough knowledge about the musician’s insurance and its coverage, it is time to invest in it for ensuring the optimal safety and security of your musical gear. Make sure that you find the most reliable company offering the most affordable policy. Following are the points you need to remember while finding the right insurance company for yourself:

  3. 1. A company with many years of industry experience can understand your needs better than others and hence, can customize a unique policy for you. 2. The best coverage provided by the company should reimburse the full insured value of the lost item as well as the full repair costs of the damaged item. 3. Your company must offer worldwide coverage for your musical instruments and recording equipment so that you can take your policy with you wherever you will go. 4. Though the annual premium of your policy will depend on your overall insurance needs, make sure that you do not need to pay hefty amounts for that. If music is your passion and recording is your profession, you should consider the idea of buying musical instruments and audio equipment insurance seriously. So, are you ready for it?

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