In most cases it will be covered by your homeowners. If your "herd is getting bigger" it would be a good idea to send an inventory with serial numbers to your insurance company. This way should you have a crisis there won't be any question about what you had. I've done this with photography equipment. Your post is a good reminder to me to do it with my guitars, although I'm sure my "herd" is a lot smaller than yours.
edited to add:
Of course, when you say "herd" that has an entirely different meaning to me: http://www.fourwindsphotography.com/farm/farm.html :lol:
Guitars: 2014 PRS Santana, 2013 PRS Paul's, 2009 PRS Hollowbody I, 1972 Gibson ES-325, 2012 Fender American Standard Stratocaster, 2020 Fender Telecaster, 2001 PRS Santana SE, 2021 Martin M-36, 2021 Martin 000-15M, Seagull S6 Classic, 2012 Yamaha Pacifica Amps: Fender Blues Junior III, Boss Eband JS-10, Line 6 POD HD500X, Quilter Microblock 45 w/homemade 12" cab.
