How many people insure their musical instruments? I was looking over my home insurance policy a few years back because it provides coverage for personal property. So I had some coverage for my basses & guitars if there were ever an incident that would affect them. But as I looked closer, I realized my home insurance deductible would apply to any loss. So if a bass was damaged/destroyed as a result of a claim, I wouldn't get enough money to fully replace it. So I took out a separate, deductible-free Personal Articles Policy for a few items that would need replacing... MacBooks, the wife's engagement ring, and all of my basses/guitars. It's pretty inexpensive, considering the fact that I could replace any of those items with zero deductible, if they were destroyed, stolen...etc. Granted, if I was a regular gigging musician, the cost would be a little higher. But all in all, a pretty good investment, I think. Curious if anyone else does this?