From my minimal knowledge of the insurance industry, I think that renters insurance or homeowners would cover it. Or you could pay a bit extra for a rider on your policy (thats what we did with our video camera).
tribes.tribe.net/fddabbea-8987-4d13-b03b-94c21ac67303/thread/d38bfccc-7085-487c-8642-c34e224bee7a#a61e316f-aa80-4d8d-a685-1d5538483f34
