As a practicing musician, the one aspect that troubles you the most is keeping the gear intact. When you travel for your concerts or even for the practice sessions, the one thing that keeps you occupied is the protection of your gear. You are always fearful that someone might just damage your gear or you might fall while tripping over the gear. The other thought that scares you is the fact that someone might steal your gear.

Every travel is a nightmare, considering you need to keep an eye out for the gear and ensure you have planned for all possible clauses well in advance. When traveling internationally, you need to make sure that the documentation for the gear is available too, and everything is properly arranged.

If you are dependent on the home owner’s insurance for all these things, you might be a tad bit disappointed. While it does take care of many possibilities that might affect your gear, it does not call your attention towards the most important parts of protecting the gear.

Here we will tell you why you should go beyond the homeowner’s insurance and invest in a proper insurance for musicians to keep everything in control

1) If you own a super specialized gear, you might want it replaced and get another that is quite similar. This means, you would want to include the replacement in your insurance cover. However, this also means adding more money to the premium you are about to pay.

2) If you own a very normal instrument, then you can actually invest in a cost-effective insurance, which will cover the basic cost of buying a second hand instrument. If you don’t want to replace it, then you can check with the insurance provider about the cash value for the instrument you own. You will need to dig a little deeper into the replacement vs cash when investing in insurance.

3) When it comes to investing in insurance for musicians, you should ideally list the gear you own and try to estimate the approximate value of the gear. Make sure you estimate the true worth of the gear as of today. Compare it with the original price of the gear.

4) Your gear might include items that are no longer manufactured today, and you might want to estimate the value of replacing it. The homeowner’s insurance may not cover all your needs or even the true value of the gear you own. You may need a simple insurance that covers your gear needs and insures them.

5) For a traveling musician, the home owner’s insurance does not cover most of the asset protection. You don’t carry just your musical instrument; you also carry the audio and other equipment in some cases. This will need to be documented, and you need to ensure you have enough ways to protect and manage it. However, if something happens during the travel, immediate replacement or instrument on rent is hardly available with the regular insurance. You need a custom insurance for musicians which will help you get the damages repaired and allow you to hire an instrument on rent immediately.

For all these advantages and more, you should invest in a good insurance for musicians, as that will help you concentrate on your core job, creating music.