Just curious who most people are insuring their instruments through these days? I've had my bass insured through State Farm for about 9 years now, and I just recently found out they don't cover "instruments for hire" - in other words, I was filing a claim (my first and only!) and they asked me I've gotten paid to play a gig recently and I stupidly said yes and twenty minutes later they faxed me a denial notice. Glad I've been paying them for 9 years for nothing. Anyways! I want to go with the new company now, obviously. Any suggestions? I looked into Clarion Instrument Insurance and they have a flat $1,000 deductible for double basses, which is fine if it gets stolen (knock on wood), most repairs (that they actually cover) don't go much past $1,000. Clarion also doesn't cover "wear and tear" which includes weather and normal deterioration - which is 99% of why people have work done. Are there any companies that will cover seams popping open? They basically only cover some travel (not cargo on a plane/bus), theft (but not "mysterious" theft), some accidental damage (dumb tuba player drops a stand on your bass) or fire. So -- what kind of insurance do you have? What does it cover? Deductible? High premiums? Lets talk!