OK, we moved our rehearsal to the singers new house last week. He's only been in the house since the first. Somebody "breaks" in, and steals two of my basses, my rack with my amp and preamp, and one of the singers DVD players. He never changed the locks, and since no windows were broken, we're assuming it was the old owner, who used his key. The question is, what should I do? The singer says he can't claim it on his insurance, or he'll be dropped, or his rates will be sky high because it's a two week old policy. He says I should try to claim it on my house insurance. It was a total of about $3000. Part of me says I'm partial to blame because I was too lazy to bring my own stuff home. Any insurance experts out there?