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Insurance is something that I need to get as soon as possible and I was getting ready to contact my agent (Farmers Ins.). I read somewhere that insurance coverage for photography equipment ran something like $1.65 per $100. of equipment...but I am only going by recall. At any rate, I am interested in insurance that pays replacement value...so whatever the cost of the rider policy...it had better cover the replacement cost whether stolen, broken, etc.
Most insurance companies that you have business or home owners though can do what is called an Inland Marine rider. I have this on all my gear and it is relatively cheap but extremely effective. I break it, lose it, it gets stolen, it is covered minus the deductable.
I have mine through auto-owners insurance.
www.grimwood.net, Bill is a ham as well as a photographer. If you have any questions email him and tell him I sent you.