> I have a rider on my State Farm policy include name and serial numbers of each piece. It is an inexpensive safeguard. <
I second this and the previous comments. It's important to clarify the terms of your policy with your insurance agent because there's limitations as to what a homeowner's policy and/or a vehicle policy will cover.
I'm with State Farm and I have a rider on my homeowners policy for an extra $100 or per year that covers all my camera equipment for replacement value especially if its stolen from the car. (My vehicle policy will cover my equipment only if it's in the car when the car is stolen.) My insurance agent requires me to email my equipment list with item, description, and serial number (if available) annually that is then kept on file.
Please regard the following as friendly advice: the best insurance policy will always be common sense, care, and an awareness of your surroundings. I remember a photographer in Yosemite who placed his backpack on a bush where it promptly rolled off, then downslope, and then over the edge falling about 2,000 feet. Sue and I were in downtown Reno for the balloon festival one block off the strip in a deserted area that didn't look good so we didn't stop.