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Anything I own of value I have insured under homeowners insurance. Cameras, computers, etc... Just make sure you get a police report if anything is stolen, otherwise they wont GAF.
I believe it depends on the vendor. If purchased from a reputable site like BH or adorama, they will honor as they are a licensed. I'm guessing that buying from ebay etc will not bode the same as they are not able to trust the seller for the quality in it's product.