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If you lived in Houston...

+1000
Insurance is you betting the insurance company that a tragic event will happen to you and/or your possessions.

Son had a motorcycle stolen in San Antonio from the parking lot directly in front of his employer's in broad daylight. Security cams got video. He had good insurance, no claims for years(deductible had shrunk to zero for no claims), and wound up with a bike much better than the one that got stolen. His bike was found about 6 months later when SAPD served a warrant on some loser for something and happened upon my son's stolen bike behind the guy's rented house.

Another side story on insurance.
When young and foolish, JC got involved with a looney tune woman. When JC got involved with his current wife, the looney tune broke into JC's house and vandalized it and band gear(we practiced at my place). A roadie had gone there to get a piece of gear that needed work and ALMOST caught the looney(she ran out the back door, tennis shoe print in wet soil there). He waded through the 1 inch of water, turned off the wide-open faucets, unplugged bathtub drains, and called me. Insurance co paid up the full replacement cost and then.....cancelled my policy.

Yep, insurance is weird. You're wagering that trouble gonna' come your way.

When the folks house burned, I had a stereo, one of those ones where each thing was separate, CD, Tuner, EQ, turntable, etc. Everything was about two months old. The tuner was in the shop, but the other stuff was still at home. It melted. I asked the insurance guy what I could do since it was so new and I really loved that stereo. He said take the serial numbers and get LIST price on each piece on letterhead of the place I got it from. Then add that amount up, and that was what I had to spend. Well, I had bought everything at closeout price. The CD player I had was the last one they had in stock so I got it for like $99. This was in the the late 80s when CD players were still 300 bucks. I had spent maybe 350 total for my stereo, and ended up with almost $900-$1000 to spend courtesy of the insurance co. I still use the replacement CD player,a JVC.

Sorry to turn this into an insurance thread, so I'll post something on topic...

I keep my most expensive axes in their cases or gig bags. If something catastrophic were to happen, I can grab them and run. The wife is on her own.

BnB
 
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I too live in Houston, in the southeast part. We got 41.5 inches from Harvey, and the nearby streets were rivers at the peak of the deluge. But no water came inside, luckily. Getting hit with a tropical storm's rains was different from having a hurricane plow through, because you could be reasonably sure that the roof wouldn't be torn off. I was putting basses up high, but I wasn't sure how I was going to elevate the Ampeg refrigerator. Fortunately after hours of rain, the water started pulling back. About that time, a fellow bass player who lives in the Dickinson area south of me texted me that the water was getting very close to his house. Then later he said he and his wife were rescued by airboat after the water came inside and kept rising. When he could finally get back to his house, he found a big mess from a foot of water, but his Ric 4003 Mapleglo was high and dry. He had positioned it across the two top rungs of a 6-foot folding stepladder.