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True, when my son took up the harp, we got a rider specifically for it. Since he has to transport it, we also had to have it covered for damages incured when travelling to or at the venue.
A piano will probably also exceed the limits of the homeowner's policy.
It's pretty easy, once you understand the relationships are based on powers of 10:
Gigameter = 1x10^9 meters (1,000,000,000 meters)
Megameter = 1x10^6 meters (1,000,000 meters)
Kilometer = 1x10^3 meters (1000 meters)
Hectometer = 1x10^2 meters (100 meters, why this isn't Cento or Centa, I don't know)
"Lite" beers (and Coors anything) give me a headache -- not a hang-over, a headache while I'm drinking 'em.
Q: How are American Beers like making love in a canoe?
A: They're both f----n' close to water!
(Joke courtesy of the Python boys.)