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With all policies make sure you read the small print.
No company is perfect and competitive terms often come with loop-holes and coverage black-spots.
If you do have one or a number of valuable items, such as a top-of-the-line camera and lens(es), it can make more sense to not even try to have them covered on normal travel insurance and instead go for a specialist (camera) insurer, often with better terms and prices.
As with car or household insurance any provider will try their hardest not to payout or limit the amount in the event of a claim.
That said, if in doubt and want full coverage go with World Nomads.
The world is a very different place and there is no one size fits all approach.
We try and cater (and encourage) those heading to more exotic (less visited) destinations, but recognise that 95% of travelers head to a few very well trodden destinations/regions.