Originally Posted by troy mcclure
I called my agent (they are supposed to be good neighbors) I was told since I use the gear professionally it can not be covered under my homeowners unless it is at my home when gets stolen. It is not covered by auto when the trailer if the trailer is stolen.
I called around but wound up frustrated and never got anywhere.
I used to be an insurance broker, albeit in Canada. But this would have been my answer above ^^^^^
Although I back when I did it, even if the equipment was stored in your home, it still wasn't insured because it was considered tools for a profession and therefore should have a separate policy.
You can get insurance on your equipment through the Musicians Union if you are in Florida. Do a search and see what you find. I get notices from them about insurance availability.
Finally, as with most insurance questions, I normally self-insure if I can handle the loss of the asset. Or take a really high deductible if it generates a low premium.
As they say, you make a choice between eating well, or sleeping well....if you self-insure, and the dollar value of the total possible loss is not great, you can eat well (save on premiums) and sleep well (know that you can afford the risk of losses on the equipment due to theft or other damage).