QUOTE (MATT S @ Feb 21 2010, 05:54 PM)

thanks guys I will look into DAN
I've carried the DAN equipment insurance for years,
https://www.h2oinsurance.com/, and once even had to file a claim. It was all handled through Fireman's Fund in Omaha and the resolution was very fast and fair. I don't know how all other insurance is handled, but with this you establish a value for your gear (via the website above), pay premiums based on that value, and if a claim happens the insured value, less deductible, is what you get in settlement.