I've been using Heritage for years, although I've never had to make a claim. I did the switch from State Farm about 14 years ago when I made a claim, and against the assurances of their agent, they informed me that because I was a professional they would not cover my gear, however, they did cover the one thing I did claim, which only a $50 MIDI pedal. Glad to know the Heritage lives up to their reputation. My feeling about insurance, though, is that it's a great way to keep Murphy's law on your side.