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I have private insurance from TCP&co which covers my equipment for full replacement value (non-depreciated) and includes things like computers, and any misc equipment. I've never had to file a claim with them, but I've been very happy with their service up to this point...
I've looked at the PPA insurance and photorbel is right, they will insure it only for depreciated value. which isn't nearly as good, but better than nothing. a private insurance policy might cost a little more, but IMO, it's worth it.
if you're just doing photography as a hobby (non-business, non-income producing), you might also look at a rider for your homeowners insurance, sometimes that can be added on for a limited value, and is usually the cheapest way to go. but look out for strict limitations, and stipulations that might be on the clause.
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