Now that I've started playing 2 years ago after a 14 year hiatus, I've purchased some expensive equipment between a new bass and amps/cabs. Do you have insurance on your high end equipment? Is it cost effective? Do I need a rider if I have home owner's insurance? Does it make a difference to your insurance company if your equipment was stolen at a gig, your rehearsal location or in your home? I know that ultimately I have to call my insurance carrier, but I was wondering what you folks have done.