If you own some expensive musical equipment, you should probably look into getting your gear insured. People rip shit off of other people all the time. Protection from theft and damage could save you a pocket full of money. Not only that… Some gear is just not replaceable. The snare drum that you have had for 7 years just gives a tone that you can’t seem to get out of any other, even “nicer” drum. If you get a policy, make sure you update it if you get new gear. It’s never a good idea to leave your instrument in the car, because of temperature extremes that could warp and erode the instrument. If you have to have it in your car though, make sure you have a larger vehicle with tinted windows, or a blanket or something covering the gear from the sight of thiefs, crooks, and assholes. If you have a lot of gear at home, make sure you only invite people over that you know and trust, and keep the strangers from mugging your place and planning the jacking of your shit. For myself, I should have my gear insured. I have had thousands of dollars worth of drum gear sitting in the same building for 8 years now. If that place burns down, I’m shit outta luck… If you have windows where your gear is and they can be barred, try that to keep unwanted people out of your shit.