For those with custom created instruments, how does your insurance cover them? If it gets lost, stolen, or damaged, will the insurance cover the depreciated value, or the original cost? For most items, IME, insurance will pay out the depreciated value, the rationale being that a used equivalent can be purchased for the depreciated value, but in the case of custom instruments, there is no used equivalent. So what is it? Maybe those unfortunate enough to have personal experience with this situation can chime in. Thanks.