What does everyone do for insurance on equipment? I take my gear to some really weird places sometimes. Like 3rd world countries, war zones, extreme weather environments, etc. I think more and more about insurance the more valuable my gear becomes. But I am not a homeowner so I don't have a policy I can add it to. I've looked around for an independant insurer, but the only one I've ever found required membership of an organization and then charged about $100 per $1,000 insured, per year. What other options do I have?