Hi Adam,
have you considered talking to your home contents insurers. Obviously they don't provide the specialist photographic services required by professionals (such as emergency equipment rental etc) but they may be happy to insure your camera equipment while you are away.
I talked to my insurers and they were cheaper than the specialist insurance and were happy to cover me away from home, even abroad. They did require me to list all items over a certain value (can't remember what that value was). They were also excellent when I had my camera bag stolen in Barcelona and paid out my claim in full very quickly.
Just a thought and I'm sure someone will be along soon to explain the advantages specialist insurance might give you!