Hi Bill,
I guess it depends on whether you are a Pro or not. I'm strictly
amateur and have everything included in my home contents policy. I've got an
extension to it that covers up to $3000 of equipment for theft or damage
outside my house. The only drawback is that the maximum for anyone item is
20% of the total, which is fine at the moment but wouldn't cover a DSLR.For Pro use a broker is probably the only way to go. Paul Ewins Melbourne, Australia
