Artie- The equipment was insured of course, but as anyone can attest who has been through a total loss like I did, the insurance never covers it. Many factors here not the least of which are price hikes and cheaper models being replaced by more expensive ones. Of course you are right about switching to another lens in tight situations. I decided to replace the 70-200/4 with the 70-200/2.8 II so have that one in hand. Roll on spring, summer and fall!
This thread has taken on many facets...as far as insurance is concerned... please be sure to review your policy every year and increase the value of your equipment accordingly. If equipment needs to be replaced, it should always be insured for its replacement value. For instance, I upped the value of my 600mm lens just a few weeks ago because if I have to replace it, it will be with version II. This raises my premiums a bit, but I always know my equipment is insured for full replacement value.
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