My home insurers used to cover that base ; by me specifying the gear as ' named items' on the basic house policy - then paying the modest addition for them to be covered as 'personal property away from the home' . We tend to forget that some folk carry more around in laptops, top end phones and luggage than many Gigsters. That idea may not be as elegant as the one suggested by H.T.H , but I was pleasantly surprised how relatively cheap it was at the time, If I did but ask - and I knew they where swift to settle in case of a claim. "The Devil You Know " and all that.
