Like Grant said Photo Business policies do more than just cover your gear. Liability, Proof of Insurance (required when getting permits for shoots), Workman's Comp etc... don't expect renter's or homeowner's to cover you if you are making any money from your gear. I've heard of several cases where claims have been declined because the insurance agency did a quick internet search.
I have a Traveler's Policy through TrustCo in SLC. I work with Jon Dunn and his email is --
jond@trustcoinc.com (I've recommended Seo and others to the same aganet and we've all been happy).
Happy to answer any other questions if people have them.