I added a rider to my homeowners insurance. For $8.00 per year I have $5000.00 worth of coverage. The coverage is world wide so I am covered when I am on vacation. Each item cannot exceed $1000 so if I have a lens or camera worth more then I would lose the difference. I feel for $8 it is well worth it. However I am going to call to see what the next level up would be as my kit has had "growing pains".
Hope this helps. I live in the New York city area so everything here is kind of high cost. And I am insured with a national company.
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