Yea it really sucks. I have renters insurance which does cover theft but it's a bit complicated. They will only replace what they believe the gear is valued at and thats only after the price reaches above my deductible. So if they say my gear was only worth 1500 even though I paid around 4000 for it all I only get about 500 due to my deductible. Fingers crossed but I'm not holding my breath.