What is Instrument Insurance?

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Instrument insurance is an important part of caring for your instrument. Professionals use it regardless of their genre and music shops have it to protect their inventory. Whether you recently bought an instrument or own one that isn’t already insured, we highly recommend purchasing a policy to help protect your investment.

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It’s exactly what it sounds like: an insurance policy with specific coverage for your instrument(s). It usually takes the form of either:

  1. A rider on your current renter’s or homeowner’s policy, or
  2. A separate policy through a company that specializes in insuring musical instruments

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Any insurance policy is about financial protection should damage or theft occur in the future and instrument insurance is no different. It is designed to protect you against things like theft, accidental damage, and devaluation. Always check with the insurance provider about specific coverage questions, but most companies will cover common problems that can happen with musical instruments.

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Rider: This something you can add to a preexisting renter’s or homeowner’s insurance policy. This is a great option if you are not a professional musician but still want protection for your instrument. Be sure to ask about the kind of coverage a rider has with your current insurance company before adding anything.

Separate Policy: If you use your instrument professionally, this is what you will need. The main companies used by most musicians and shops in no particular order are:

  1. Heritage Insurance Services, Inc. 
  2. Clarion Associates, Inc.
  3. Huntington T. Block Insurance Agency, Inc. (formerly known as Merz-Huber)
  4. Traveler’s Insurance (they have a valuable items policy that includes musical instruments)
  5. Total Dollar Insurance

The benefit of these companies is that they understand the specific nuances of musical instruments and their value. It’s also a good option if you have multiple instruments, a lot of equipment, or travel frequently.

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You will need a couple of things before you start looking:

  1. A list of items you need to insure. Many companies will insure everything from instruments to electrical and recording equipment, sheet music, and cases but always ask the company what is and is not covered first.
  2. Up-to-date appraisals for all of your instruments and bows.

Once you have this information, start shopping! Talk to the companies you are considering about any concerns and ask what they specifically cover in their policies. Make sure to compare deductibles as well as rates. For example, if you have a $1,500 instrument and the deductible is $1,000, that policy may not be your best option. Get quotes from everyone you are thinking of using, decide what will work best for you, and enjoy the piece of mind that comes with knowing your instruments are protected.

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Copyright © 2016 · All Rights Reserved · Silvija Kristapsons

Summer Program Necessities

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Summer has finally arrived!

Excited yet?

In addition to the school year being done and the promise of warm, hopefully beach-filled days, many of you are getting ready for summer programs. Not sure what to bring? We have a few suggestions:

THE BASICS

  • Extra Strings. This may be the single most important item to bring excluding your instrument. In most cases you won’t be near a shop and you do not want to be in a bind because you didn’t have an extra A string. Bring at least a full set of new strings, and hang on to those old ones that may be less than ideal but better than nothing in a pinch.
  • An organized way to carry your music. Maybe you have a music pocket in your case that works just fine. If not, a messy pile on the floor you grab before running to rehearsal is not gonna cut it. Whether it’s a backpack, tote bag or something else entirely, make sure it safely fits those original parts.
  • Tuner/Metronome. Yes, many of you have an app on your phone. However, it is nice not to have to drain your phone battery. Plus, these metronomes and tuners can be much louder and more versatile. Go for a combo to take up even less space.
  • Peg Compound. This product is small but useful. It’s helpful in both summer and winter to help pegs grip and to lubricate them. When you are far away from a workshop, this can be an invaluable product.

THINGS THAT GET LEFT BEHIND

  • Water Bottle. Hydration is the key to success. You may not be rehearsing in the AC, and these programs, while rewarding, are also tiring and can take a lot out of you. Stay healthy and hydrated.
  • Sunblock. This is an important and easily forgotten item. You’ll be spending a lot of time outside. Stay protected! Playing a violin with a severely sunburned shoulder is not fun.
  • A Fan. AC is not a given in the dorms you are most likely staying it. Even a small box fan in a window can do wonders for air circulation.
  • Pencils. This is a no-brainer. You are a musician and need a pencil in rehearsal. Grab a package of them before you leave (and a sharpener if you prefer non-mechanical ones) so you’re not caught without one.

ONE LAST THING!

Before you leave, visit a luthier. Get your instrument and bow looked over. Be sure to let your luthier know if you will be going somewhere with a drastically different climate so they can prepare your instrument accordingly.

Have fun and work hard!

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Copyright © 2016 · All Rights Reserved · Silvija Kristapsons

The Best Grad Gifts: 2016 Edition

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They did it! All of the hard work, late nights, practicing, homework and dedication have paid off. If you’re looking for ideas for what to get the grad in your life, we have a few suggestions for you:

Sheet Music

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This is a great gift in so many different forms. Maybe it’s the Urtext edition of their favorite chamber piece or a piece they have always wanted to learn. All of our folk, fiddle, jazz, pop and world music is included in the Grad Sale, which includes things like Star Wars, Disney, The Fiddler’s Fakebook and more.

A New Case

Now is a great time to invest in a new case. With brands like Bobelock and Galaxy (a JSI exclusive) on sale, this is a great option for surprising your recent grad.

Ukulele

While not included in our Grad Sale, our ukuleles start at at just $89, making them budget-friendly in addition to being an accessible instrument. Curious to learn more about the ukulele? Check out our previous post about them.

Upgrade Their Instrument

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Our Grad Sale for commercial instruments is back! Selected commercial instruments are 10% off through June 30, and you can take 15% off the bow and case when purchasing an instrument on sale as part of an outfit.

Want to purchase your rental instead? We’re offering double your first year equity when you purchase a rental instrument from us. Keep in mind that while you can always use your equity to purchase an instrument through our sales department at Carriage House Violins, this double first year offer is only available when purchasing your rental instrument.

Gift Certificates

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Always available in any amount.

Still not sure what to get them? You can’t go wrong with a gift certificate! You can purchase one in any amount (call for details) and they are valid on everything from accessories to instruments.

You can check out the products listed here and much more in store or on our website. A heartfelt congratulations to all graduating this May and June. Good luck with your future endeavors!

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Copyright © 2016 · All Rights Reserved · Silvija Kristapsons

The Wedding Season Starter Kit

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Summer is almost here, and with it comes the start of wedding season. The parade of weddings and parties, both outdoor and indoor, has the potential to keep freelancers employed for the entire season. If you’re new to the life of wedding gigs, here is a starter kit of things you’ll need:

Folding Stand: Never show up to a gig without one! Some people are satisfied with the traditional folding stands, but these can be flimsy when you have a large gig binder or you are outside and subjected to a strong wind. A sturdier stand with a flat back that is still portable, such as the ones by Peak, are a great alternative if you run into this problem.

Clothespins: Don’t let your music fly away! We all have stories of forgetting clothespins and suddenly watching our music make a run for it across the lawn or flip open to a different piece. Traditional clothespins are a great option–lots of musicians keep a box in their car for this reason. We also carry an over-sized music clip for a more elegant solution.

Gig books: Every wedding will want something a little different, but in many cases they will want standard fare such as the Mendelssohn Wedding March or Pachelbel Canon. Lots of musicians build their own gig binders with a set of arrangements that they can use for multiple weddings. The Latham wedding series and the Last Resort Music compilations are among the most popular since they come for multiple types of ensembles. The Last Resort Music series can even be mixed and matched depending on instrumentation.

Note: Make sure your music is appropriate for the venue and ceremony. If you are given free reign to choose repertoire, don’t play something that you wouldn’t normally perform in a church or synagogue. 

Stand lights: This is another great back-up item to keep in your car because you don’t know what the lighting is going to be like at any given gig. We carry our own JSI brand in addition to popular brands like Mighty Bright and Lotus. Stock up on extra batteries too–no light in the middle of a performance is not ideal.

Outdoor instrument: This is definitely not an option for everyone, but a great idea if you are able to swing it. Many people hold on to their old instruments when they upgrade and use them for outdoor gigs or any performance that they wouldn’t feel comfortable bringing their usual instrument to. Some players use alternate bows as well, especially carbon fiber bows like Codabow and JonPaul.

 

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Good luck and happy gigging!

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Copyright © 2016 · All Rights Reserved · Silvija Kristapsons