Being the most historical instrument in the world, the flute has been pleasing our ears for ages. The sound of the magical instrument is not only relaxing but also divine that interconnects our body, mind, and soul. It is crucial for any flautist to invest in the right flute and take the optimal care of it in order to hit all the right notes. Flute insurance is also considered an integral part of the maintenance of the musical asset. Whether you are a flute beginner or a professional flutist, you should think about the insurance of your instrument right now. Let us talk about the insurance coverage and the significant factors that you need to consider before spending your money on it.
What is Insurance for Flute?
An insurance policy for flute is a coverage exclusively built with the distinctive requirements of flautists in mind. It ensures that you put your heart and soul into playing the flute during any performance while securing your provisions and keeping all misfortunes at bay. Such type of protection is tailored to the individual needs of the player at a competitive rate. As it covers your extremely delicate instrument against all odds and extends its life, you can also save your pocket from the potential costs of repairing and replacement in the process.
Things to Look for While Choosing Flute Insurance
Though insurance cannot cover the emotional aspect of an instrument loss, it can certainly cover its monetary aspects. But before you proceed to purchase one, keep the following points in mind so that you can find the ideal coverage to keep your precious flute well-protected:
- Basic Risk Coverage
Every musical instrument insurance policy comes with the basic coverage to protect against the most common risks. These include theft, fire, and damage or loss that occurs when you are staying at home. Thus, you do not need to worry about the safety of your flute even if the worst happens.
- Protection Away from Home
A bespoke policy not only covers the flute inside the home but also away from it. Your flute can be damaged or missing before or during a performance and you may end up spending hefty amounts for it. With a cover intended for such losses, it will be easy to deal with the situations.
- Accidental Damage Cover
The fragile build of a flute makes it prone to damage. No matter how careful you are, it can fall down, develop cracks, or even get broken accidentally. Here comes the importance of an accidental damage cover. It will protect your flute from all such perils and keep your wallet safe.
- Transit Insurance
Do you travel to other cities or countries frequently for concerts or events? What if your valuable flute gets damaged or stolen during transit? Well, check whether your insurance policy offers transit coverage and you can travel anywhere in the world with your flute without any financial worry.
- Unattended Instrument Protection
You might not be able to keep your flute to you all the time when out for a performance. But make sure that wherever the instrument is, it is safe. This particular coverage can cover it against theft, pilferage, burglary or robbery from the practice room or any locked vehicle if left unattended.
- Public Liability Coverage
As a professional flautist, you should always opt for public liability coverage in order to keep your entire team as well as your audience sheltered and secure during a musical performance. If you turn into an unlikely victim due to any mishap, this will cover you against third-party claims related to physical injuries and property damage. With this policy in place, you won’t even have to pay out the medicinal costs from your pocket.
- Rental Reimbursement Coverage
If your flute gets stolen or damaged and if you have no provision to replace it immediately, this rental reimbursement coverage can become your true savior. When there is no choice other than renting a flute for your upcoming performance, it will ensure that you get reimbursed for whatever you paid as the rental costs.
- Agreed Value Coverage
Last but not least; make sure that your insurance policy provides agreed value coverage for your flute instead of its actual cash value. When the instrument is in its top condition, there will usually be little to no depreciation. Hence, you should receive the full replacement cost as agreed by the agency.
Now, you are ready to buy specialized flute insurance that will exclusively cater to your needs. Just find the right provider and get it right away!