a colleague of mine in california has had ALL of his equipment stolen TWO times in the last year (someone breaking into his car). if you shoot in utah you would have heard about the people in SLC who were stealing photographers equipment right off there backs and/or following them from a shoot and stealing there equipment later.
you want to be covered. stolen. broken. natural disaster.
my tips:
1. NEVER leave your equipment in your car!
2. have insurance that covers everything.
3. only take what you are going to use to a shoot with.
cheers!