Hi guys and girls! I was wondering if it is possible to insure your camera equipment for fire and theft only if you mostly use it in the studio? I know it would mean that if my camera fell it would not be insured but I am paying a boatload on insurance that I just cannot justify. When I go outside I can specify everything so that it is insured for all risk but I use it in my house almost 98% of the time. What do you think?