On the subject of insurance; for the love of god go to an insurance broker rather than shopping around yourself. I say this for two main reasons.
1. If you are up front and make them aware of what is important to you they will focus on that and only bring you offerings that definitely suit your needs meaning you dont have to wade through millions upon millions of lines of small print yourself.
2. The policies and covers they provide are astronomically superior to what is available to you on the direct market. take portables cover for example; a lot of the time that will cost you extra (a lot extra for cameras) through the direct market, whereas a policy obtained through an insurance broker will more than likely have that included for no additional charge.
Just thought an expert opinion on the matter might be of help to more than a few of you.
Cheers,
S.