Hello. After many years of traveling on a newspaper's dime to foreign assignments I am getting ready to take my own photojournalistic trip to a sub-saharan Africa on my own dime. I am looking into insurance on my gear and am emberassed to admit I don't know where to start. I am a member of the National Press Photographers Association and they offer insurance through a provider to members but I am curious if any of you have insurance through a different provider that has worked out well for you. A couple of things: First, I very well may have my equipment stolen so I need coverage that will include theft. Second, it is likely the camera will be damaged through fire or some other form of unusual abuse and so I am looking for a coverage plan that runs the spectrum and not one with all kinds of clauses that won't protect against this or that. Any suggestions? Thanks.