My understanding is if your gear is stolen from your home it should be covered. If stolen "on the road", not so much. I had an instance several years back where 2 guitars were stolen from my apartment. No sign of forced entry. I figured it to be an inside job. They were hanging on my wall facing my door. My neighbors door was directly across from mine. He knew there were there. He was buddies with the apartment manager. Best I can figure is he got a master key, went in, stole em, locked up on his way out. Police report filed, insurance company notified. I got nothing from insurance because there was no forced entry and because they were items that occasionally left my home. This was from one of the biggest insurance companies in the country. The guitars were on my policy. Serial numbers and photos.