as Ned has stated a good home owners policy will offer you some peace of mind when your instruments are at your place of residence
for myself I have coverage that insures most issues that may potentially occur on my property; personal injury, accidental deaths, natural disasters, criminal acts, terrorism, damage to property other than structure, etc., and it covers a multi seven figure amount (for a six figure property 8) ) that covers so much more value than my little guitar collection.
Thing is if you travel with your gear then that's a different story and in that case you will need a rider or a completely different policy