i read a horror story about a guy that got his video gear (not just the camera, but everything) ripped off. i'm screwed if it ever happened to me as i'm not even sure if my renter's insurance covers my gear. so i'd like to get a separate policy for it. any of you do that? if so, which company did you go through and what's your rate like? i mostly bought through private party so no receipts. can those w/ no receipts still be covered?