My policy is for all hazards, no matter where or when, and the equipment is not depreciated. My liability coverage, which these days is a must have item, is $500,000, which is a separate policy with the same outfit.
Gary
_________________________
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.)