I have just been dealing with this, so I thought I'd share what I found out.
We're getting up to a LOT of equipment, worth a lot of money now, so I've been looking in to insurance. WELL, if you are using your camera equipment for a hobby, it is fully covered under your homeowner's insurance, just be sure to call your insurance company so that they know about the equipment and can annotate it in the policy. Some want invoices for purchase and some just need to know what you have it...some don't even care.
If you are using your equipment for profit though, it is a separate policy, called an Inland Marine policy. Your insurance company should be able to help you and you can usually work with the premiums and deductables. It is pretty cheap and definately worth having. Particularly if you have a good insurance company that covers damage and accidental breakage!
We're getting up to a LOT of equipment, worth a lot of money now, so I've been looking in to insurance. WELL, if you are using your camera equipment for a hobby, it is fully covered under your homeowner's insurance, just be sure to call your insurance company so that they know about the equipment and can annotate it in the policy. Some want invoices for purchase and some just need to know what you have it...some don't even care.
If you are using your equipment for profit though, it is a separate policy, called an Inland Marine policy. Your insurance company should be able to help you and you can usually work with the premiums and deductables. It is pretty cheap and definately worth having. Particularly if you have a good insurance company that covers damage and accidental breakage!