Nowadays, at least with US-based insurance companies, be very careful about filing claims or even inquiring about possibly filing a claim. Raise your deductible and only file when the loss substantially exceeds your deductible. They will drop people for filing "too many" claims and no ones knows what the secret # is....By the way. If you rent. Renters ins is CHEAP. I had a Mesa 4x12 cab sniped from a rehersal space. Renters insurance covered it. A friend borrowed my mountain bike, took on a trip, got it stolen. His ins covered it.