Upload & Sell: Off
As some one who used to work in the insurance industry, if you make ANY money with your camera, your home insurance provider will try to find a way to deny a claim. If you do a SMALL amount, maybe a few portraits for friends or co-workers you may be able to talk to your insurance provider, and have them approve it, make sure they put a note to file, or endorsement on your policy to say that it was approved. If you have a website that says anything about doing work for hire, no matter how amateur it may seem, the insurance company will consider it to be a business.
If you do a small amount of work, and want to be sure that your equipment is covered. You can get a policy covering JUST your equipment from theft, fire, damage etc. If you do more work you would be smart to consider adding liability as well. As for who to go with, shop around. I know there are specialty insurance companies which can likely offer a better rate, but your local insurance company can also offer coverage.