You're right Tony, and the same holds true if you use your computer professionally. Because I am also a full time outdoor writer, my home-owners insurance will not cover the PC. Consequently, I had to purchase a separate rider just for the computers and software--what a world!
Gary
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PSR-S950, TC Helicon Harmony-M, Digitech VR, Samson Q7, Sennheiser E855, Custom Console, and lots of other silly stuff!
K+E=W (Knowledge Plus Experience = Wisdom.)