₦airaland Forum

It works great. I would recommend this for quick results

This article originally appeared on Nationwide.com

Finely crafted musical instruments can cost a significant amount of money. But just as classic cars and high-end jewelry can be insured, so can musical instruments. By getting an insurance policy, owners can cover their instruments in case they are stolen or damaged from
disasters.
Insuring a musical instrument is a good idea if it would be cost-prohibitive to replace it, or if the instrument is needed regularly for performances or teaching. Insurance often covers more than just the actual instrument; it might also cover the case, accessories and even sheet music. Here is a rundown of how you can get insurance for musical instruments.

it is important that you get to know the basics about insurance before we go too far

Homeowners or renter’s insurance

You might not need a separate musical instrument insurance policy to get covered. Musical instruments can be insured under homeowners or renter’s insurance, though it’s important to find out coverage details. These policies have a limit for the home’s total property damage and may have a limit per item. The per-item coverage may be lower than your musical instrument costs. In addition, the homeowners or renter’s policy only covers damaged from “named perils” such as fire and theft, but not flood. One option for enhancing the protection for musical instruments under your home property insurance is to get a rider, sometimes called an endorsement, floater or scheduled personal property. This policy add-on provides additional coverage for specific valuables. A rider may have a lower deductible than the homeowners policy. Such riders usually are “all risk” providing much broader protection than “named perils.”
Also, not all homeowners insurance riders cover instruments for professional musicians, since there’s a higher chance of damage or loss. In that case, a commercial musical instrument policy is advised.
When deciding between musical instrument insurance through your homeowners policy or a specialized policy, here are some considerations.

Location
If loss of or damage to your instrument occurs outside your home — say, if you’re traveling to another state or country for a performance — is the instrument covered? Musical instrument insurance policies vary on how they handle this.

Value
How much is your instrument worth? Some companies have a maximum insured amount per instrument, which may narrow down coverage options. Also, a commercial, or specialized, musical instrument policy will provide several ways to value the instrument, depending on whether you want to get paid for a claim based on the instrument’s value at the time of the loss, an agreed-upon value determined when purchasing the policy or its replacement value at the time of the loss. A homeowners policy or rider may handle this differently than a specialized policy.

Deductible
Determine what your deductible is for both your homeowners policy and a rider, and compare that to a specialized policy. You’ll also need to take into account the cost of each policy and the coverage details. If the policy’s deductible is higher than the instrument’s value, then the insurance may not be useful.

Claims staff
Some insurance companies specialize in certain types of instruments. If you have a rare or highly valued instrument, consider working with a company who knows your instrument type well. Claims adjustors will better understand your instrument if there’s a claim.

Additional coverages
Commercial insurance policies have other coverage clauses that may not be available in a homeowners policy or rider. These are aimed at professional musicians who need their instruments for work. This coverage might include business interruption (compensating the insured if his or her instrument is lost or damaged when needed for a paid performance), coverage for borrowed instruments and rental reimbursement if the insured instrument is damaged.
If you have an instrument, whether it’s a rare, high-value one or a good quality student or amateur instrument, talk to your insurance agent about your options for insuring your instrument.

None of these videos are even monetized 🤣. This is sad. Keep mas-tur-ba-ting over past glory. If you need help; you can reach out to me. I can still employ you and pay you well; so you’d stop embarrassing yourself here. Kids /sigh/ the fact that you still have to post screen shots with your pathetic device to prove your self is even more depressing. Seek a therapist boy

Passionet:
Those years you've been looking for jobs even till now, I was using yt as an hobbyist. While you wallowed in poverty, I had fun playing with yt.

You are just a frustrated and depressed fool.

Do you have any rubbish to write this time? You brain dead unemployed tout?
Make you settle down learn something wey go find you job, you no gree. Bad Belle keep you poor and kee you there lol

It's all fun by the way, don't get mad.

Passionet:
Remain in your hell hole then

while you’re begging for clicks to your un monetized YouTube channel. Waiting for a miracle to attain the minimum requirements for that useless channel to be monetized. Learner

La click la die

Passionet:
What Simple answer do you need more than a 30 second VIDEO that actually shows you how it works and how you can use it too?

It's cynical comments like this that drives innovations away. Because on a second thought this is pathetic and sad.

I don't even have 1k subscribers to be monetized and who makes money from a 30 seconds YouTube short?

If I had this backward mindset of yours, I would have sneered at the hundreds of videos I would have watched, and wouldn't get to where I am today or being able to do the amazing things I never dreamt of doing.

This is the reason NL is like a barren ground for AI information because you don't want to watch videos to learn, while you are frothing with animosity instead of learning new innovations that can open doors for you.

Really sad.

Interesting

olayiwola4u:
No... I'm not collecting a penny from anyone. I'm of the opinion that anyone who is making enough online should NEVER charge to help others.

okay thanks a lot

;DHighly interested. Hope we don’t have to pay sha

Thinkam:
Yaruba are determined to usher eegbo into political oblivion and suicide.

Will the eegbo be gullible enough to fall for it.

If the supposed leader of Yoruba and the only president of Yoruba origin alive, supports you and this is the best they can mobilize for your rally.

If this not wickedness a whole former president and leader of Yoruba pulling this crowd for a presidential candidate? Not even senatorial candidate, a whole presidential candidate rally, in the capital of Yoruba land , Haba mana, adebanjo and Obasanjo why are you deceiving Peter Obi ...

Eegbo you say northerners hate you, but in all northern rally NEF and MBF has given you more crowd than your yaruba friends..

Use your sense.. Common sense should tell you they want to waste your time and destiny..

Ohaneze advice your son, Don't lose both ways, Support Ifeanyi okowa, Don't waste your scarce opportunities.

Obi will drop out of the race latest December

Atiku is coming

This guy is completely finished

I see seun’s handwork here. He is seriously working for his pay master tinubu

teedepth:
Omo, ditched the test to rest jaare. Them dey cr*se

im glad you did. It was a waste of time.

YeePeyHaa:
Hope you won't see someone who didn't write the exam still get employed last last

Welcome to Nigeria!

na this one dey pain me pass

How many of us received the mail for the graduate trainee test by first bank. In the whole of south west, the test was only done in Ibadan and Lagos. Something that could be done in our various homes.

The thing wey dey pain me pass na the hard hard maths and English comprehension test. Everybody came out of the cbt test hall lamenting and regretting why they bothered traveling long distance to come and write it.

It was an utter waste of time. Kindly drop your own reviews below

olasaad:
General hospital Ilorin and UCH Ibadan do give results.

UCH Ibadan does not give out test results. They only record it in their big books. Try dey lie small small nw. I did it there about two months ago

ThatFairGuy1:
This is unnecessary noise, Peter Obi and his running mate isn't a threat.

The battle is between Tinubu and Atiku.
Even when the time reach, those shouting OBIdient up and down will vote between the two candidates above.


That's why we rest and let Obi bulldogs take over Nairaland

normally fair guys no dey get sense. So I’m not surprised

BigBelleControl:
Maybe the buyer na female footballer wey done use leg hit kaka.

Next time, she for tell am say make she wait for few days to help her get for market.

Slides is unisex nw. The vendor can easily get it

Hd

Tallesty1:
Do you have a close female friend?

you too mumu guy ���

If you like dey dull yourself

Stupid pervert of a man. Thank God say man no be God..let he that is without sin be the first to cast a stone

Ibkhaleel01:
Many are skeptical because they have been so brain washed for centuries. In the present time, when one listens to some of the TV Evangelists and reads the New Testament one gets completely different sides of Jesus. Those Evangelists are experts in presenting half the truth about both Jesus and Muhammad. They stress only one side in the most forceful and persuasive way. They raise the slogan "believe in Jesus." But one should have the right to ask, which Jesus?


♦ The one who said "love your enemies", Luke 6:27 or the one that said "But as for these enemies of mine who did not want me to be king over them"bring them here and slaughter them in my presence", Luke 19:27.

♦ The one who said "Be merciful just as your father is merciful", Luke 6:36, or the one who said "he did not come to give peace on earth, but rather division", Luke 12:51.

♦ The one who said "honor your father and mother", Matthew 15:4, or the one who called his mother "Woman", John 2:4?

♦ The one who said "if someone slaps you on your right cheek, turn the other to him", Matthew 5:39, or the one who went to the temple and drove people out and overturned the tables, Matthew 21:12?

♦ The one who said have "peace with one another", Mark 9:50 or the one who said he "did not come to bring peace but a sword", Matthew 10:34?

♦ The one who said "forgive, and you will be forgiven", Luke 6:37, or the one who said "if your hand or foot causes you to sin, cut it off and cast it from you", Matthew 18:8?

♦ The one who said "bless them that curse you", Matthew 5:44, or the one who said "he who curses father or mother, let him be put to death", Matthew 15:4?

As a Muslim, I understand both sides, because Jesus, like Muhammad, was both merciful when mercy was required and powerful when power was required. God himself has both heavens and hellfire. Yet half the truth Evangelists never failed to present only the merciful side of Jesus and only the powerful side of Muhammad.

I was following you keenly until I decided to open these scriptures you quoted above especially the first scripture.

I just had to stop following when I discovered lies and intentional misconception

Did you even bother to open these scriptures before you copy and pasted it from wherever you got it from.

Do yourself a favor and read the preceding verse to get more understanding.

In the first verse, Jesus was telling a story, a parable.

I didn’t bother reading the rest because I’m sure there’s a lot more ignorant and intentional misconceptions

saferoom:
"Wahala be like Dangote Blanket"
Pls who knows the meaning of this Statement that I do see online. Does Dangote produce blankets?

ee no dey cover yansh

Why do you want to serve Nigeria

Nigeria does not have anything to offer you

Guy collect your 80k job abeg

Seems you know your work very well. Best of luck

My iPhone 11 Pro Max screen would suddenly go blank and would need a hard restart for it to come back on.

The blank screen usually occurs whenever I charge it and it charges above 80 percent.

But when the battery is low at about 60 percent and below, that issue will not happen.

Please I need a permanent solution, I’m tired of doing the hard restart

I have an iPhone 11 Pro Max. When the battery is fully charged say from 70 percent and above, it begins to blank out I.e the screen becomes dark without anything showing on it. I need to frequently do a hard restart before I can continue using the phone. Is there a permanent solution to this ??

Mercy Aigbe's model daughter is on the head-lines as her picture was posted on instagram, and alot of bad-belle people have been throwing catapults of envy, biko look at the picture below, did she expose anything? We just like to dey form say na we holy pass. I am begining to think that our own Nigerian kim kardashian family is coming up, abi what is Mercy Aigbe up-to?

http:///bo1jHi