My homeowners policy has minimal coverage for my camera equipment, 
but I was able to purchase a personal articles floater (FWIW, we also 
have a floater on my engagement ring) that covers my equipment.  
However, it only covers the listed equipment, so if I rented and 
something went awry, I would be in big trouble.  :-P

Pattie

P.S. I am keeping the used 70-200 f/2.8 lens that I recently bought.  
The minor scratches on the front element do not affect image quality 
at all, as far as I can tell.  Really love taking ice hockey photos 
with it.  In fact, the local pro team hired me as the team 
photographer today.  :-)

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