I called my contents insurance company (Direct Line) on Saturday when I got my iPhone.
I was enquiring about whether it was covered as I have accidental damage cover.
They said it was covered in my home but for an extra £21 I could cover all my personal belongings (maximum individual item value of £5000) for an extra £21 until my renewal date which is April 2011.
So for £21 I have got 10 months accidental cover on my iPhone, iPad and MacBook Pro outside of the home - I think you would struggle to get cover separately for just your MacBook for that price.
So I would definitely give your home contents insurance provider a call to see if they cover it, or how much it would cost to cover it.
They only thing doesn't give, of course, is Apple Care type insurance if it breaks.
HTH
- D