Not that I've had to use it but I found out today through my insurance company I can put a Personal Articles policy on my Camera Body and 2 lenses for $2.25 a month. This covers absolutely everything, from drops to spills, stolen, damaged in any way and there was no deductible. Wow what a peace of mind!!!!!
I realize homeowners and renters may cover the same but there may be a deductible, maybe not. This is what I did however and I'm happy I did. You just never know when the unthinkable could happen.
Phew ~ now I can sleep at night.