I have a rider on my home owners policy, State Farm. Rough cost is $1.25 (or is $1.50) per $100. The rider is all risk so when I (stupidly) loosened the wrong knob on my pan set and the camera w/ tilt shift fell the ground, State Farm gave me $ to replace the broken lens. The body was okay. Only claim, process was very smooth, great customer service. I have had only 1 claim in 15 years.
My only complaint is that cover is 1st $. I would like to have a deductible and have lower premiums. I won't file a claim for small item, in fact I have removed all the small items from my policy. Only insure big ticket items.