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It really depends on how savvy you are with this sort of equipment and how sophisticated you want to get. For me, it just took a few days to learn either system. Incidentally, I think you've identified a great set of lenses. Those are some of the 'stars' of Nikon's lineup.
Also, nearly any insurance company that does homeowners insurance will have a personal articles policy available if you're just aiming for private insurance. If you're running a business, that's another ballgame, but everybody tends to offer business photography equipment insurance as well.