As you might expect, acquiring
additional coverage for your instruments will present you with many,
many choices. For this reason, at the very outset of your mission,
you want to consider the extent to which your life is affected by
your music playing. If it is your livelihood, then any disruption to
your ability to play will have an immediate, and significant impact
on you. If you only play your instrument occasionally, and for
leisure, this may not be the case. However, if you make a living this
way, then you may actually be without income, should damage or loss
occur. Accordingly, you will want more comprehensive coverage for
your instruments if you use them professionally than if they are
simply for leisure. The more comprehensive your selected coverage,
the less costly it will be for you to manage while your instrument is
being replaced or repaired. For example, there are some plans that
will even cover the cost of a rental instrument in the invent that
you need to rent one to use while you wait on your own to return.
Of course, knowing the value of your
instrument is key in ensuring that you are appropriately covered.
While it is good practice to store receipts for such large purchases
in a place where they can be readily accessed, if the instrument was
purchased long ago (or inherited) then it might actually be worth
more than the receipt value. An appraisal may be very useful in such
a situation; you should know what it would cost to repair and replace
your instrument today, and insure it for its replacement value.
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