As i've not had any expensive toys before, what are you guys with the big stuff doing regards to out and about insurance for camera gear? at the moment i just have away from home cover on my contents insurance. likely to be involved is: m50, sigma 100-400 and a couple of kit lenses, nothing individually over 1k but it all adds up. do you have more expensive stuff listed as valuable items on your policy or do you have a special one?
I have a Valuable Personal Property rider to my homeowner's insurance policy. For about $6K worth of property, the annual premium is about $100 US. It saves having to apply the deductible from your regular homeowners policy should you have to make a claim.