Great stuff Zach.
I have always found taking great pictures a challenge. Add to that the fact that most of the time I am off fishing by my self and it becomes even more frustrating. Consequently I take very few photos.
A few years back a good freind of mine and myself took a week off work and tried to make a video. 30 hours of footage and allot of it crap. lighting was the biggest problem, washed out face shots, shadows in the wrong spots, that sort of thing. Not the fault of the camera, my wife owns a high end TV quality digital.
The insurance had never occured to me. I will be checking into that one. The thought of going for a swim with those expensive electronics has always bothered me.