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Depending on what type of musical instrument you have, it could cost you a lot of money to replace it. If your livelihood depends on having a functional musical instrument with you at all times, insurance can protect you for this.
You can make sure your valuable instrument is covered with musical instrument insurance.
You can cover most types of musical instruments including:
Different musical instrument policies may offer different coverage options. If you are not travelling, or performing professionally you could take out a cheaper policy without all these extras.
Policies may offer a limit per instrument, or a total coverage limit for all instruments. Depending on how many musical instruments you wish to insure, estimate the right level of cover for you.
Some home insurance policies can cover contents including musical instruments. Depending on the value of the instrument, and the limits on contents in your home insurance policy, you may need a separate policy to be fully covered.
If you are a professional music performer or teacher this type of specialist insurance could be very beneficial both for your instrument and your livelihood.
Yes though you will need to take standard precautions to protect your instrument, such as securing it where appropriate.
Most policies will cover damage like dropping your instrument, provided it was new when you purchased the musical instrument, and the instrument is not older than a certain age.
Some policies may specify that you test your instrument regularly to ensure it works properly.
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Learn moreCompare quotes to cover your musical instrument especially if you're making a living with it.