Homeowners should cover it at home. My buddy wrecked his pickup on the way to a gig with his vintage Gretsch kit in back. One of the toms was damaged and his auto insurance actually covered it.
I have no idea where to get specific insurance that would cover it at a gig or theft at a motel parking lot out of a gig trailer. I know that kind of stuff seems to be happening more often around here. I would probably start by asking my insurance agent that covers my house & cars.
I always figured that my stuff (even my new drums) are not valuable enough to warrant spending additional money to insure. I suppose the street value of everything I take to a gig (drums, bags, hardware & cymbals) would be about $1500. In contrast, my brothers ‘74 Rick bass alone is probably worth 2x that.
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