David Daniel , Jun 01, 2011; 01:17 p.m.
I used to carry separate insurance on my camera/computer gear, but no longer. After a long talk with my insurance person, she advised that my homeowner's policy covered everything (less my deductable). I've only had one claim on camera gear. I had my truck broken into while parked just outside the gate of my local state park while I was in hiking. My high end point and shoot Canon was taken along with the photo backpack it was in, also a few filters. I had receipts for everything and was very satisfied with the results of the claim.
I believe NANPA still has a separate policy available.