There is no gear insurance even with D.A.N. if you read the fine print. I have been on boats where divers left there camera’s in the water and never found. They always feel better that they got the gear insurance. I don’t say anything to them so it won’t ruin thier vacation week. The only way your gear is covered for loss is in a medical or rescue mishap. Another words in a last attempt I cut your straps so ya float or cut your suit open when your not breathing. Then your gear is covered for replacement. But because it is stolen or you loss it. Nothing for you. Anyways a diver is responsible for thier own gear. Anyways I have cut suits open and torn gear off of drowning divers. Also some of my gear that gets torn up with a panic’d diver. I just fix it myself. I thought I lost a lite but is was hooked into a divers BC because the metal ring was bent open. But you won’t get gear replaced for free unless its from an emergency loss. Glad you are in the Chgo. L. Mich. area. By the way. Always get the D.A.N. insurance. I know first hand D.A.N. pays every penny that my BCBS insurance wouldn’t cover. Including Dr. check ups for evalution weeks later. We’ll go diving this spring. OK?