Should you insure your tobacciana?

(P&T) A recent brush with tornados here in North Carolina made me realize it was time to stop procrastinating and make sure my pipes were insured, so I called my insurance agent, Bill. It took a few minutes to convince him I was serious.
“So these are wooden instruments,” he said, “that you fill with tobacco and set on fire? Well, I think fire insurance is out.” Continued