if you live in an apartment building, the renter's insurance is generally cheap. $120 or so for $20k property coverage. but, I know that's not what you are looking for:) you need to ask for additional coverage for your camera equipment. ask your auto insurance company. generally it's cheaper if you buy renter's insurance from your auto insurer. again, it's all depends on your equipment. btw, if you have a house, that's a different story.