I have read from time to time the various posts about insurance but I am not clear on what the process is like. Can anyone give me some insight into the sort of Q&A or what the application process is like? I'd like to get a policy quote and I have for example looked on the State Farm website. If I dive in there will I be bombarded by agents who want to sell me a bunch of other policies for other things? I'd like to try to avoid that if I can and keep it at an internet distance if possible. And with a policy in place, what are some limitations to/for coverage if you can describe, or in the alternate, are there special requirements that I would want to have in place that I should be looking for. At this point there are places I don't feel comfortable taking my gear because I am afraid of damage, like on my boat, and I'd like to be able to use it when I am out because for a few years now I am missing some incredible shots, but I'd like to be covered for damage if heaven forbid I drop it in the drink by accident. Thoughts? Thx.