I've always insured through musicguard. Whether or not you consider them a good price is
really down to what you expect. If you've got expensive gear that you use for gigging,
then it won't be cheap. It really depends on how screwed you'll be if something get
pinched or damaged.
A quick check: musicguard will do £10,000 insurance, with
half of that leaving "home" at any one time, for around £220.
Music Teacher, Isle of Man