It varies in quality and cost.  And it is often overlooked when young pups leave college and live in limbo as they start their professional lives.  But for a relative low cost all the goodies can be insured in case you get robbed.  A phone call to an insurance company and a digital camera (to document your goodies) are all it takes to get started.  Underrated- but it isn't a 'heavyweight' as far as insurances go. . .