An on-demand insurance platform for single items is expanding its reach in the US.

Trov, a platform which allows customers to insure single items – like an expensive camera or smartphone – has announced that its coverage will now be available in four new states: Nevada, Wyoming, South Dakota and Delaware. Trov is already available in Arizona.

Trov acts as a digital broker, according to a report by Forbes. It sells “micro-policies” for personal items like smartphones and tablets, sporting gear, photography equipment or musical instruments. The items are actually covered by KnightBrook Insurance Company – and they’re covered anywhere in the world that policyholders go.

Trov offers “on-demand” coverage – users can turn their insurance on and off whenever they want.

“Instead of paying a heavy insurance bill for a thick and brittle contract, you can now protect the things you care about – like a guitar, camera, or laptop – for as long (or as short) as you want and never overpay for coverage you didn’t use,” Trov said in a news release.

The company said that its on-demand model is ideal for users who want to protect expensive equipment during a trip, or to replace an expired warranty.

The company added that its coverage will be available in more states soon.