[Paddlewise] ewa-marine + digital + idiot insurance?

With the camera discussion in progress I thought I'd ask about the 
ewa-marine waterproof bags/cases for digital cameras.  I use one with my 
Nikon 995 digital - and it has worked well thus far.  Has anyone had 
experience with these bags?  I suppose like anything, if you fail to 
maintain it (seals) it will fail.  I paid just under $100 for mine.  I made 
an elastic band with a patch of neoprene (aka thin mousepad) on it that 
fits around the case - with the neoprene over the lens 'port' - to keep 
splashes and water drops off.  I can slip the band over my wrist to take a 
shot - so chances of losing it are reduced - then just slip it over my hand 
and onto the case again when finished.

I haven't tried the buoyancy test - I pretty sure it would sink so it will 
always be on a tether and in a pocket.

By the way, does anyone use the retracting tethers used by divers for 
gauges and lights - with 1" fastex buckles on either side?  Would seem like 
these would be useful for stuff you want at the ready but don't want 
dropping away - here is an 
example.  http://www.island-scuba.com/thestore/prods/ACRL22.html

Idiot insurance - I got a personal articles policy (I believe as an option 
under our homeowners policy) that lists items like firearms, cameras, video 
equipment, etc etc.  It is very inexpensive (I believe about $30/yr) and 
covers ANYTHING.  I was considering using our miniDV camera in a homemade 
housing for snorkeling and the policy cover 100% full replacement cost - 
even if it is due to my own stupidity - like making a leaky homemade 
housing.  Wouldn't prevent the loss of a trips-worth of images but would 
make sure you had a new camera for your next outing.

Thanks,
Keith

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