one guy had over 100k in gear and isurance is refusing to cover it. You are best off being direct and straightforward with your insurance to make sure they know
what they have to cover straight up
I agree with you, its better to call your insurance company up and let them know if you want insurance to cover your rigs. If you think from the insurance companys perspective, they are taking on more risk without being compensated if they arent told you have 100k in gear, but are expected to pay out of something bad happens.
(Moderator note: This post was edited by frodocooper to fix broken quote formatting.)