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NEIL YOUNG CRAZY HORSE signed guitar photos inc EX RARE $2,999.99 |
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Guns N Roses – Fully Autographed Rolling Stone Cover Poster Framed Inc Axl Izzy $2,000.00 |
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JET STREAM SPRING FLIGHT – Japan CD – NEW FUNK INC. $1,499.00 |
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Kinks set of 11 180g Earmark sealed OOP Lps Lot best ever inc Village Green 3LP $799.99 |
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Gary Numan ‘Dead Son Rising’ test pressing – Very limited Inc Signed Lyric sheet $458.29 |
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ELVIS PRESLEY JAPAN 7INCH INC 4TRACKS EP $399.99 |
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SUN RA Invisible Shield HYBRID OuterSpaceways Inc SATURN LP Purple Label & Cover $399.98 |
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LAAZ ROCKIT-KNOW YOUR ENEMY japan promo cd 32XB-209 vio-lence I.N.C.megarare!!! $399.99 |
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Frank ZAPPA In New York ITALY1977 withdrawn 2LP inc. ‘Punky’s Whips’ GF PS $349.99 |
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Firebeats Inc – Funny Things 1964-66 – Norway rare! $325.00 |
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METALLICA “GARAGE INC.” WHITE VINYL 45RPM 6LP SEALED $314.99 |
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Metallica – Garage Inc – US Import 6LP 45rpm 180g Vinyl – FREE UK P&P $237.03 |
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THE SMITHS-Barbarism Begins At Home-Rarer 2 Sided Promo 12″ inc Radio Edit $268.64 |
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Mejor Coleccion Industria Del Amor Fonovisa Inc. 2007-03-06 Music $260.38 |
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Madonna #1 (1991) (Personality Comics, Inc.) (VF-NM) $250.00 |
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METALLICA GARAGE INC 180g 180 GRAM 45rpm 6 LP BOX SET NEW & SEALED w/ STICKER $250.00 |
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JOHN COLTRANE JAPAN BOX INC PROMO 7INCH 3VINYLS BOOKLET $249.99 |
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SEALED PROMO LABEL BEATLES JAPAN ONLY LTD INC 7INCH $249.99 |
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Necessary information when buying Musical Instrument Insurance by Dougallen
Musicians know that their instruments are their life. It’s not just a piece of wood, string, or metal, it’s a part of them. And apart from the personal value that cannot be pegged to a price tag, the reality is that these instruments do not come cheap. If you happen to have a historically significant piece, the cash value increases substantially as well. What’s more, if you’re a professional musician, it’s also your livelihood. If you’re without your musical instrument, you lose income. So given all of these reasons and if you really think about it, musical instrument insurance makes absolute sense.
If you can insure your car and your jewelry, why not insure your musical instruments too?
Shop Around
Just like any type of insurance, the best advice is always to shop around. Thanks to technology, the internet can now help you shop around in less time and with less hassle. It’s very easy to get quotes from insurers with the click of a button. And most insurance companies have their own websites that can cater to your inquiries 24/7 too. Sites like these can give you a wider view of your options. And it can give you a general view of the rates available for your particular insurance plan.
General Insurers vs. Musical Instrument Insurers
There are two basic options when it comes to musical instrument insurance. You can decide to check the general insurance agencies to see if they have insurance for musical instruments or you can go straight to a dedicated musical instrument insurance agency. Some examples of general insurance agencies with musical insurance options are Merz-Huber Co. and Allianz. Some examples of dedicated musical insurers are Clarion Associates Inc., Anderson Group and Heritage Insurance Services.
One benefit of going for a general insurer is if you already have an existing non-musical insurance plan with this particular company, you may be able to negotiate a good rate for the musical policy you wish to avail. If you have a relationship with this insurer, you may be able to use it to your advantage.
One benefit of going for a dedicated musical insurer is they may have more options for your needs. These insurers not only cover instruments against theft and accidents. They also have policies for music-related businesses, dealers, luthiers and orchestras.
How to Properly Evaluate Your Plan Options
Some of the things to look out for in your musical instrument insurance policy are premiums and coverage.
In terms of premiums check if the rates are within your budget, first and foremost. There are plans for as low as $25 a month, for example. Next, check if the premiums rise or fall as the years passes. If the premiums get lower, that’s good. If the rates get higher, make sure that the rise is something that you will be able to cope with.
In terms of coverage, make sure to check if you have all the necessary bases covered. Depending on your needs, double check with your insurer if all that you deem necessary are included. Some bases to consider for individual instruments are accidents, natural disasters, theft, replacement and validity. For symphonies, some considerations are instrument and orchestra member coverage. For businesses, consider if your building and employees could be covered as well.
About the Author
Read more at: http://musiccrazy.info/, http://musiccrazy.info/musical-instruments/musical-instrument-insurance-what-everyone-should-know/69/ and http://musiccrazy.info/musical-instruments/weird-instruments/64/
Gorillaz – Feel Good inc. Official music video(HD)
