I lost a camera once, in a multi story car park in Gloucester, it must have fallen out then I got out. I never even bothered to inform the carpark or police. Most people regard it as ‘finders keepers’.
Check on your house contents insurance, you might have some cover for cameras there.
I don’t have specific insurance for my cameras either but the camcorder is the most expensive and it was less than $900 (£450) so it doesn’t seem worth insuring.
I never bought a dedicated camcorder. I bought a Nikon Cool Pix L820.
It features a 16MP sensor and a 30x optical zoom lens and full HD video,
Should be sufficient for my requirements.