Do your self a favor and get a rider on your homeowner policy. Its cheap, it covers you if stuff gets lost, stolen, or broken.
camera gear is expensive, if you arent a pro, but have more than 2-300 bucks invested, its worth it.
Someone picked up a flash of mine that had not made its way back into my bag last week, and now i have to file a claim for it.
No cost out of pocket, and its not goign to affect my homeowners because its under 1K claim.
Also, make sure you take pictures of all your camera equipmetn (this includes grips, syncs, mounts, tripods, bags, fat geckos)