I'm so sorry to bring in a different perspective but I didn't buy the insurance. In my experience, people are generally honest. I've left my stroller with a diaper/park bag in it in many places over the years and nothing has ever happened to it or the bag (I don't leave valuables like phone or wallet). I also don't but insurance for TV's, phones, etc. my view is that if something happens that one time I will suck it up and pay for it, but buying all the insurance will cost me more in the long run.
I understand that things occasionally DO happen, and I'm making a bet/taking a risk. I'm just making a different economic decision. Bear the cost when it happens, rather than spread it out.