I had my car and my equipment stolen from my driveway. My policy included coverage for a loss on driveway.

I later found out that the people who stloe my car/equipment had followed me home from the job/gig. I got the car back with parts missing--the instruments were gone. A beautiful Gibson L5 guitar.
That was the first time I ever left anything in my car overnight. My dog tried to tell during the night that something was going on, but I shushed him up--Hmmmm!

My story, John C.