I insured mine (Canada) on my house insurance as a line item. All of the above was true - and they let me buy back my damaged instrument for its residual value.
The good thing about having it on the house insurance is that they have an incentive to not loose you as a customer. However, I stress that it must be a separate line-item. Else if you claim on the house insurance it will affect your entire policy.
LOL! actually it sounds like a little pancake - with garnish delights.
Its a Blini.
[Nickname for my Luiz Bellini...]
The proof of the pudding, etc
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