Is My Insurance Policy the Best It Can Be in the Worst of Times?

This episode was NOT part of my plans for 2022 and the topic is not in my comfort zone.

And yet, catastrophic events keep coming–-from the destructive wildfires in California and Colorado to Kentucky tornadoes and Tennessee Floods. None of us are immune to the fury of planet earth.

I’m sure I speak for you, too when I say that our hearts are heavy for any teachers who have lost their studios, their instruments, and their daily teaching routine because of an unforeseen disaster.

What if your studio burst into flames or was soaked in floodwaters or blown to smithereens and scattered across state lines?

Would your insurance policy be enough to cover gut-wrenching losses?

Would your savings be wiped out? 

As I pondered these questions myself, it got me curious about my insurance and what kind of policy is the best in the worst of times? 

This episode is NOT an insurance pitch but it is a poke. When is the last time you went to a piano conference or webinar to learn about insurance?

Never?

It’s the massive elephant in the room that we all conveniently ignore. 

I've done some digging. After a good deal of research and talks with experts, here's what I dug up. It's offered in a straightforward question-and-answer format.

BTW...If you think your home policy is enough...this episode may make you think again.

Remember, I am NOT an insurance agent OR expert. I'm someone who usually ignores stuff like this but is now compelled to get the facts straight. 

Please use the information I've gathered and then meet with your insurance agent to tailor a policy that suits your needs. I am NOT an expert.

After I list the types of insurance you need to consider as a piano studio owner, the episode ends with

• Advice from a piano teacher who lost her home in the 2018 The Camp Fire
• Questions to bring to the next meeting with your insurance agent.

Links

An article featuring the best home inventory apps: HERE

Tomilee's sister's Emergency Binder: HERE

"Repertoire Keepers and How to Improvise with Them": HERE

Learn more and sign up for the Composium: HERE

 

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