Hey TB'ers- I recently bought a Smith, the nicest bass I've ever owned. That said, I've been thinking about having it insured. I thought about tying it in with my homeowners insurance, however I recently heard about Clarion through a member on the Smith forum. Just want to see if anyone else (TB is a wider audience) has had any experience with them. Their premiums seem reasonable and am really thinking of going with them. Their coverage covers just about anything from theft to damage of any kind, covers anywhere in the world. Thoughts?