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.
It’s exactly what it sounds like: an insurance policy with specific coverage for your instrument(s). It usually takes the form of either:
A rider on your current renter’s or homeowner’s policy, or
A separate policy through a company that specializes in insuring musical instruments
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.
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:
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.
You will need a couple of things before you start looking:
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.
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.
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:
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.
It’s time for another installment of Departments of JSI ! This is a series that highlights the different people that work within our company. We’re able to run such a large business through the expertise of and collaboration between our different departments. Everyone has a skill that they utilize to accomplish everything from coordinating rental trips to selling instruments to repairing instruments to shipping things on time and safely. This series will help you get to know the variety of people and jobs that are done here at JSI.
Our Sales Department consists of our sales consultants and director of sales and acquisitions. These are who you talk to when you are looking to purchase an instrument, be it by phone, email, or in person. We asked them to answer a few questions about themselves:
What is your position at JSI?
Allan Espinosa: My position at Carriage House Violins of Johnson String Instrument is Senior Sales Consultant.
Matthew Fritz: Director of Sales and Acquisitions
Armenuhi Hovakimian: My position is a Violin Sales Consultant.
Robert Mayes: Cello Consultant
Phil Rush: Viola Sales Consultant
Lucy Turner: Assistant Sales Manager
Where did you study your main instrument?
Allan: I spent three years of study at the University of North Texas. I then moved to New England and completed my studies at the Boston Conservatory where I completed my BM and MM in violin performance.
Matthew: Bachelors in violin performance from Arizona State University. Masters in Orchestral Conducting from The Eastman School of Music.
Armenuhi: My education started in Armenia and then in Rochester, NY at the Eastman School of Music Prep Department. I received my Bachelors at Indiana University of Pennsylvania and my Masters in violin performance at Western Michigan University.
Robert: Walnut Hill, New England Conservatory, Julliard, Boston University
Phil: UC Riverside (composition/theory) B.A.; California Institute of the Arts, Viola Performance M.F.A.; Florida State University, Viola Performance D.M.
Lucy: I have a BMus degree in violin performance from Vanderbilt University and an MMus from Boston University.
What does a typical day look like for you?
Allan: My typical day at CHV revolves around my clients. This would include speaking with my clients to gain a better understanding of what they are looking for in an instrument, hunting down those instruments within our inventory and spending one on one time to help select a particular instrument with the player. When I am not working directly with clients, I spend time with the luthiers of the workshop, fine tuning instruments and making sure our instruments are in top condition. They day is full of communication be it face to face, on the phone or via email.
Matthew: My days are varied. Much of my time is spent evaluating instruments as potential appraisals, consignments or acquisitions and advising clients about buying and selling instruments and bows. Additionally, I oversee the sales staff and support them as they endeavor to match clients with the perfect instrument and bow. On any given day, I can be found at my desk, attending trade events, traveling for sales and acquisitions opportunities or meeting with my staff.
Armenuhi: My day begins with emails and phone calls to my clients. Then I work with our highly qualified luthiers and bow makers to adjust instruments and bows to reach the goals and needs of my clients.
Robert: I begin by practicing for 2 hours on 2-3 different cellos and 3-4 different bows. I find it important to be as familiar with the instruments as possible. When I work with my clients I want to provide them with my honest opinion of the instrument or bow. Every day at the shop is different because we work with a wide range of musicians. At the beginning of this week I was in Los Angeles with members of the LA Philharmonic and on Friday I will be working with one of the cello professors at the New England Conservatory.
Phil: My day begins with correspondence via email and phone in response to customer queries. After that I set up for any appointments I have, work with our luthiers and bow technicians on adjusting instruments and bows that need it, and reach out to my sales contacts who are looking regarding our latest acquisitions.
Lucy: The first thing I usually do in the morning is respond to client emails and return calls. Once I’m caught up there, I work with clients who have in-store appointments or I play instruments in preparation for shipping trials. A lot of my managerial duties involve inventory and getting new instruments and bows ready to trial and sell, so I take care of tasks related to that throughout the day as needed.
Do you play any secondary instruments?
Allan: I do not claim to play a secondary instrument very well but I did spend time studying piano and clarinet and have sung in choirs.
Matthew: I do not make music other than playing the violin and conducting.
Armenuhi: I played piano for 20 years.
Phil: I also play piano and guitar. I guess you could say that as a violist, the violin is also a very important secondary instrument….
What is your favorite part of your job?
Allan: My favorite part of my job is the moment when a young musician has found the instrument that inspires creativity and pursuit of creativity in music. I also enjoy the vast array of instruments and the opportunity to work with contemporary luthiers hand in hand with the sales staff and clients.
Matthew: I enjoy many aspects of my job. The instruments are fascinating, especially then it comes to the craft and history of the violin. There is so much to learn, and even the internationally-recognized experts are constantly adding to their knowledge on a daily basis. I also enjoy traveling and meeting a variety of people from players to makers and collectors. In my position, there is never a dull moment, and you never know what a day will bring.
Armenuhi: Seeing my clients smile and working with my clients to find a great tool and the right instrument to carry their passion for music.
Robert: I enjoy being able to interact with so many musicians of all levels. Finding the right instrument or bow is crucial and I am thrilled to help people find their voice.
Phil: My greatest satisfaction comes from helping our clients find the instruments that inspire them and take them further toward their goals, whatever they may be.
Lucy: I love working with a client to figure out exactly the sound they’re looking for in an instrument or a bow. It’s really satisfying to find an instrument for a client that’s a perfect match and that they’re excited about playing.
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:
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.
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
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.
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!