Re: Does anyone have insurance on their gear?
If you are really serious about wanting your drums covered by insurance, I would consider getting coverage specifically for the drums (and any other musical instruments). I have had coverage for years on all my instruments by Heritage. You are covered on loss or theft, and in the event of damage, the reduction of value of the instruments due to repair is also covered. I would be happy to give you contact information for this outfit if you'd like. I've been covered for about 10 years now, and while I have never needed to submit a claim, I understand from those who have that this is THE way to go.
Now, just a tiny bit less than an absolute drum newbie
DW Collectors Cherry kit, Ludwig Black Beauty Snare, DW SuperSolid Oak/Cherry Snare, DW Sabian Vault Edge Snare
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