Depending on how much you have invested in your gear, you may want to consider insurance (it's cheap!). You may currently have a policy which covers your gear. You may not. Best to find out!
The most common forms of insurance for covering our precious recording gear (and DATs, and CDs, and home stereo equipment, and...well, you get the idea):
I have renters/personal property insurance with Travelers Insurance Co. I have a $30,000 policy which covers replacement value, not depreciated value, with a $250 deductible. Insuring for replacement value is key! Costs me a whopping ~$100 a year. BFD.
The policy covers my gear in my home. It covers my gear on my motorcycle or in my car, in planes and trains, in a submarine, etc. - wherever my gear is, it's covered. It also covers my home stereo/theater, all my media (not an insignificant amount of $$$!), everything I own except my vehicles proper.
Coverage includes natural disasters, fire, theft, etc. Not sure if it covers someone frying all my gear at a show by spilling a beer into it, but I'm gonna check on that one.