Just a heads up for those that may not be aware. I wasn't until i called my renters' insurance company (Progressive Home Advantage). So I rented a lens last weekend when i went to Seattle. I called my insurance company to see if and what insurance coverage i have. Well, i have full coverage on my computer gear, like if i spill something on it, or drop it, gets stolen, etc.. Well, my camera gear was a different story. Long story short, i added coverage to my gear. It is called "scheduling". I added like $1200 for a lens, and it increased my premium by like $15 a year. Hopefully this helps someone.