MM&H, if the shit is in your crib, you can get homeowners ins. to cover it, if you're "working" as a professional, you may have to make just a couple of changes. PM me if you want me to turn you on to a few companies that are worth a shit for that type of stuff - only a few are customer oriented...
Lazi, you know the risk, so it's your game to play. My situation is a bit different, so I'm tryin' to post up and shit, and that demands that I go all out. Fortunately, my soon-to-be-mother-in-law has a big-assed garden, so I don't gotta buy no veggies most of the year. 'Sides, I make fatter shit on an emptier stomach.
Funny, I'm more worried about the cats who know (of) me, than strangers, too. I literally only kick it with one cat in my AO (hence "Flo' Dolo"), but a couple of my in-laws are grade-a sheisty muthafuckas. They know I don't go for the okey-doke, but fools always wanna come tes'... Other people I come in contact with speculate and gossip, but their eyes haven't had the opportunity to confirm their gum-bumpin' speculations. Sometimes peeps get the ass face cuz I'll come up front to see them instead of letting them in my "sweetspot." Fuck em. I already got homies around the globe, dogs in the yard, and a dime in my bed.
I'm no stranger to tellin' people "no," and many think that I do shit far removed from makin' tracks. They all know I dj, all sweat me for tapes and CDs, and I don't even serve em up like that. Fuck em. They hear me on the wheels in my shop (IF I keep playin' when customers come through the door), and my earth's homies may hear a CD if I hook somebody up with one for their bridal shower/bachelorette party type shit (only happened twice). They all burn copies, but that's cool they are more than welcome to swing on my nuts.
Other producers and engineers in my area wanna get at me, but I simply don't fuck with them. Life is too short, and my revolving credit is way too long. I mean, what I do is no secret, but my business is my business. I'm as careful as I can be, and I never let cats who do come 'round bring anybody with them if they aren't mission critical. No girls, no runnin' buddies, no "my man is tryin' to get down on the mic, too," nothing. If they gotta cat who they wanna use to put cuts on something (i won't do it - "you ain't got no money, you ain't got no beats/cuts"), then he comes AFTER the track is finished. None of that chilling shit, even though I've got a nice little room to chill in (not the control room) complete with ps2, bar, and toys for (MY) kids... If somebody gets me, they gotta come widdit. I even peep the AO outside before I leave the joint.
You can never be too careful, especially in a residential situation. I can't wait to start training with my new dog... I pray I don't ever have to let him loose on someone, or come in my shop to find somebody's ass chunk bloodying up the floor, but if it is the Creator's will, so be it. All day every day.
Stay as safe as you can. Treat your studio like you'd treat your kid. That's all you can do, but if that's TRULY all you can do, then you can't do no more to keep shit in order. If you get hit in spite of that, then you was supposed to get hit. At least you can sleep the night after knowing you handled your bizzy to the fullest.
F.D.
<sorry these last 2 posts have been so long, these 22s got me kinda lippy>