In the past week, the house that one of my nieces lived in lived in prior to buying their current home burned to the ground. And now, her sister's next door neighbor, who had a showplace country home, burned to the ground. Two months ago, a friend I went to high school with, his place burned up. I could name a few more that happened in the past couple of years from my small world.

What a devastating thing to have happen to you. And I think of all the extra stuff we all have. Might need riders, etc. I certainly need to heed this advice, I have quite a few guitars, plus an Audya and quite a bit of PA gear. Thinking about it won't cut it.