You want HIGH RICK COVERAGE, you should be able to get it from a variety of insurance companies. I have mine through All State.
It not only covers theft and accidental damages but covers me for liability in case my equipment causes damage or injury to someone.
And yes, it is more expensive, but for me and my equipment it is piece of mind.
And make sure you check insurance coverage, mine is 100% replacement. Not all insurance companies cover 100% replacement incase of theft or damage.
Good luck and keep on shooting until the end.

Beware of non-scheduled rider policies on home insurance. All you need to do is make a couple of claims before you find yourself and your home and property uninsurable. The low cost plans are worthless. They require a receipt in order to make a claim, and they will depreciate the value. After some ridiculously short period of time 5 yrs or less, they will give you next to nothing when you claim a loss.

That being said, I joined NANPA (North American Nature Photographers Association) and used their insurance, offered by Rand Insurance and underwritten by CHUBB. You provide a schedule with serial numbers and replacement costs, and they will pay out whatever you've listed. Good insurance, reasonable in cost for what they cover, and if you make a claim you don't have to worry about being blacklisted by a homeowner's insurance company.

Trust me, I speak from experience on both types of insurance. I was rear-ended in my car while waiting for a traffic light to turn green, and there was a fire, lost nearly $12K in gear (see below), and it was covered 100% less the $250 deductible. They paid me within a few days of my claim, and then they fought it out with the other drivers' insurance policies.

You can get a similar policy as a member of PPA (Professional Photographers of America), but the cost of membership is high, making the cost of insurance that much higher. They offer two plans, one that is similar to the non-scheduled, depreciated plans that most homeowner policies offer, and one that is scheduled, and you get replacement cost, not a fraction of purchase price, when you experience a loss. Naturally, the better policy costs more, but all you need to do is use it once after dropping a camera and lens or having it stolen, and you will be glad you had it. Don't be seduced by the low cost of the homeowner's rider policies - this is a perfect example of that old saying "you get what you pay for" and my spin "you never get what you don't pay for". Happy hunting!

I feel I have to caution all of you about insuring on your home owner's policy. I was so insured, with a rider on camera equipment to cover 100% of the purchase price. I fought with them for 18 months before getting a dime after a burglary. Other than accusing me of perpetrating the crime myself, there was also their claim that I was in business and sold my artwork, therefore virtually canceling the insurance. (My lawyer argued that the agent asked no such questions when the policy was initiated nor at any time during my 20 years of carrying their insurance. They did finally pay off, but not until they had dragged me through horrid treatment for a very long time. Oh, and by the way, everything that wasn't on the rider was paid off at about 10-20% of value due to depreciation.

To all that provided anecdotes in support of home insurance riders - the operative thoughts in my post were "Beware of non-scheduled rider policies on home insurance." Those are the low cost ones with higher deductibles and depreciated reimbursement. When you provide a schedule of gear and insure for replacement costs, it's usually better. But still, I had two claims in one year with a scheduled rider that were paid promptly without question. But at renewal time the cost went up and upon attempting to switch my homeowner's insurance coverage to a different company, I had trouble getting any kind of insurance from anyone.

Just a cautionary tale - to be considered.