I stumbled unto percussion when really wanting to play the xylophone. The band teacher starts all xylophone people on percussion, but I didn't know that. Anyway, I liked drums and caught on to it. I suppose, but can't remember, that I didn't pursue the xylophone.
Other people's stuff isn't a big deal. Well, most stuff is set-up similar - and what's different can be easily learned.
An exception could be double-bass drums (or a double bass pedal on a regular set). If someone can't play the genre - then they'd be caught off-guard.
Yeah, definitely, property insurance is a good move for drummers - or any other musician with expensive/mildly expensive stuff. Anyway, unfortunately, I just haven't gotten around to buy it - but my set and amp did cost nearly $500.