Upload & Sell: On
I have a "personal Items" policy through State Farm, which has my home, auto, life, etc. insurance; it's remarkably cheap, about $300 a year for $20,000 in gear. But, it covers full replacement for theft or damage, even if I drop it into the river from my kayak. I could probably find it for less, but I live in a small town and have a good personal relationship with my agent, so I'm confident I'll be treated well if I need to use it. BTW, I'm a non-professional, and I know it's a different insurance world for pros...