Sorry - I regard myself as a "mobile entertainer", which they also refer to musos as. Have keyboard, will travel...
The insurance offered by R.V. Nuccio & Associates, Inc. looks promising, especially because you can also get liability coverage. You can't get liability insurance with a homeowner's insurance rider and that's actually your greatest threat - if a drunk trips over one of your cables trying to get to the stage to make a song request, they can sue you for far more than your equipment or your gig will ever be worth. And as already mentioned, it's mandantory for some events.
If purchased prior to the end of the year this insurance would make a dandy little tax deduction for '04. Looks like a necessary evil.
[This message has been edited by The Pro (edited 12-09-2004).]