The reason I ask is this: I figured it was high-time to insure my stuff. But State Farm tells me I can only insure my photo equipment as a rider on my home owner's policy to a maximum of $5,000. That rider will cover theft from the house or fire (if the house burns down). It's certainly cheap enough ($3.50 a month) but I want a policy that covers my stuff in the event it gets stolen from my car or I accidently drop it while on a shoot. So what's the best route to go on this and how much do other companies charge for coverage?