Tigerman
Contributor
Before relying blindly on that you better make sure it covers what it needs to cover and where it need to be covered..My gear is insured. Just like every thing else I own. It is ALL covered by my normal home owners content insurance. Nothing special about scuba gear. It is covered the same as my hockey, golf and curling gear. And the pots & pans & cutlery in the kitchen. And my socks, shirts & underwear.
No need for "extra" DAN coverage if you already have Homeowners insurance for your possessions.
Homeowner insurance and travel/dive/photo insurances may have rather different coverage depending on the items, where you are and what happens to it. My home insurance sure as heck don't cover several thousand dollars worth of photo gear being flooded or dropped into the sea while on vacation, but it does cover fire damage while at home - my specific insurance for it however does cover all of those cases...