As several others have noted, I’m also a USAA member. I had a $16k loss while traveling in Bolivia’s altiplano hinterlands about 2003 (I was de facto living there at the time as an illegal alien) which included my D1X, several lenses (e.g., 80-400 D), memory cards, an early iPod, Lowepro backpack, batteries and more. None of this gear was scheduled, but I filed my claim under my homeowner’s policy and they paid every single item I claimed, and very quickly. I used the money to start over with a D100 and new glass. Today, I have all of my bodies and glass scheduled in their Valuable Personal Property rider which I keep updated as gear comes and goes. I also keep a spreadsheet of my bodies, glass and teleconverters, since about 2000. For me, customer service is a huge part of the value I get from USAA.