Too late for this event, but I have a "camera" policy and I swear by it and recommend it to all of my photographer friends. For me, it's a "Valuable Personal Property" policy, same thing that would cover guns, jewelry, and art. You tell them what gear you have, and it's a no-deductible replacement-cost policy. Two years ago when my suitcase was stolen, I told them what was in it (Minolta 7D at the time), they asked me to show them the current model, and I sent them a link to Ritz Camera's website for the Sony (I think they only had one model at the time). Bingo, direct deposit into my checking account the next day. I think the premium is about 1-1.5% annually based on the value of the gear, at least for me.