Hi everyone. Me again. So the time has come. Next week I am heading to B&H to make a "major" purchase (major to me, not to some lol). Without going into too much detail when I round up the numbers of the purchase I am overbudget by $500 bucks. In an effort to keep cost down I pose this question...do I really have to get insurance for everything? Another member of this site asked a question similar to mine and the responses went mostly like this: well...if you are clumsy and drop stuff then get it. If you are not clumsy and take extra care of your gear then not necessary. I certainly fit into the NOT CLUMSY category. I have had my 40D, 3 lenses and 580EX II for a little over a year and not once have I dropped or put my gear into a situation where it might get damaged. Matter of fact...when I have been to parties and bring my gear since I drink when I notice I am a little tipsy I put my gear away. Don't like to touch it in fear of dropping it or something. Here is what I am getting: Canon EOS 5D Mark II Digital Camera Kit with Canon 24-105mm f/4L IS USM AF Lens Canon Zoom Telephoto EF 100-400mm f/4.5-5.6L IS (Image Stabilizer) USM Autofocus Lens Canon Normal EF 50mm f/1.2L USM Autofocus Lens Canon 580EX II Speedlite TTL Shoe Mount Flash I'm getting other accesories which I did not list because insurance is not offered. 3 year insurance for the kit is $343. For each lens it's $179 and for the flash it's 71. Now, do you agree with me? Should I opt for the insurance only on the kit and not get it for the rest of the gear? This is so mind boggling to me because I ALWAYS PREACH insure everything you buy. I do it with my friends and family all the time. Please share your thoughts.