I have my kit insured with the same company I have my homeowners and cars insured with. I pay 45/yr for $4500.00 coverage. Insurance coverage is 100%, no deductible, any where, for any reason...
If I didn't carry my gear on my motorcycle (I've lost two motorcycles), or when rock climbing, or boating, or city side streets at midnight, well then I might consider it excessively costly.
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