Who among us has insurance on their photo gear? I'm talking about on your household insurance, as opposed to those who are paid professionals. My gear is covered by my regular household policy up to the value of all of my possessions in my house...but I have a high deductible ($1000) to keep the premium payments down. Now I don't want to pay the first $1000 to replace all or just some of my gear, so now that I have a 20D, I looked into a rider for my gear. It actually looks pretty good. The cost will be based upon the replacement value of my gear but it looks like it will cost less than $4 a month...with a $25 deductible. I have to make a list of everything and get a store to verify the replacement costs of everything...so that's what I'll be doing today.