If you are unsure what to check before buying a piano, here are a few vital checklists that would help you to choose a good-quality instrument.
• Interior and exterior components are vital factors that determine the quality of your musical device.
• Avoid online purchases of expensive musical equipment and buy it from a store. Generally, a proper physical check is better before finalizing.
• Check the sound by playing the keyboard to determine the quality of the piano. Some people like a brighter tone whereas few prefer a mellower one.
• Keys ought to have a smooth surface and should be touch sensitive. A 61-key instrument is perfect for a beginner. For professionals, an 88-key piano is the best choice.
• Finally, always check user reviews before making a purchase.
Homeowner insurance is not adequate to cover your favorite instrument from all the accidental damages.
Despite taking all preventive steps for your all-time favorite keyboard what if any disaster or accident occurs? As a piano player, you know your special instrument needs special care. Safety and protection both act as a safeguard for your expensive musical gear. There is no doubt that to get it secured you need coverage and that too specialized piano insurance. An often-asked common question is despite having a homeowner coverage plan what is the need of buying separate musical insurance?
Homeowner insurance indeed covers the risk of all household furnishings that include musical equipment. However, it is only up to a certain amount. As the piano is an expensive instrument, there is a possibility of not getting the desired amount of claim owing to the high value. The little you might get will not suffice your requirement if you need to repair or replace your piano. Moreover, homeowner policy does not cover risk owing to natural calamities like floods and earthquakes. Better to opt for specialized insurance for musical instruments as the homeowner can recoup the cost of repair or replacement of the damage.
Do you need separate insurance for your piano?
A piano is an expensive musical instrument and also a lifetime asset for a piano player. Therefore, it's better to buy a dedicated piano insurance policy, to protect the value of your piano and minimize the risk of any financial loss occurring due to any mishap.
Let's figure out the circumstances where your piano might get covered by a specified plan.
• In case of fire at your home, the piano is also at risk of incurring damage caused by smoke. At the same time, it may get damaged owing to intense dryness and wet condition due to putting out the fire.
• Natural disasters like lightning, thunderstorms and heavy downpour may occur severe damage. The roof of your home may not withstand its effect resulting in water leakage and can cause damage to your piano.
• Additionally, it covers any damage to the musical equipment caused due to robbery and burglary at the insured's place. Plus, destruction due to uproar of riots and explosions get also covered in dedicated instrument insurance.
Things you need to keep handy to claim your insurance for the piano
• Collecting all the photos is essential in case of any accidental damage.
• Report stolen items immediately to the police station and do an FIR.
• Valuation of the instrument or purchase receipt as proof of ownership gets considered a piece of evidence.
• The claim form needs to get filled up with all the correct information.
Conclusion
The key to protecting your prized asset comes with regular maintenance and adequate insurance coverage at an affordable premium. As we all know, accidents are unavoidable so insurance is the only solution where the risk of losing your valuable asset can be mitigated and thereby allowing you to continue playing music for a lifespan.
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