newsgrunt
Well-known
Carabiners are your friend. Use them and pay particular attention to the benefits of those with locking gates 
JohnTF
Veteran
Allstate is my insurer. In 2006 we had sewage backup. then I had a couple of incidents with the car... in both cases they paid out top money within the week. I spoke to the lady who represents them here in town and she told me my gear was covered by my home insurance even when traveling abroad, as long as I could produce a police report. I have to update my information with them... It's a lot more than it was a few years ago.
I don't doubt there are some shady operators out there... but it's usually the ops. At least, that's been my experience.
Keep those bags safe!
Homeowner's is not all risk, and carries a deductible, plus has a limit to the value of things like jeweler, etc. You may need to read the fine print, Inland Marine add ons are generally pretty reasonable.
Glad Allstate was good to you, have a feeling Sears will fire the lady when she gets near retirement ;-) You have a good agent, some are not so good, and Allstate, IMO, does not have the best reputation for being reasonable on claims.
Regards, John