As another reminder. If you use your camera equipment to make money...YOU ARE NOT COVERED UNDER A HOMEOWNERS POLICY!!!!!!. Let me make sure you guys understand what I am saying... If you have used your camera equipment at anytime in the past to make money. IE, you took a photo and sold it OR were paid to take photos of something, then YOU ARE NOT COVERED UNDER YOUR HOMEOWNERS POLICY!!
Yeah, we hear ya. I made sure to ask about this when setting up my policy and they told me a commercial policy would have been $550/year for up to $100k of coverage. Since I don't make any money off my photos (yet), the homeowners policy is good enough for me.
BTW, is there any way the insurance company could check if you've ever made money using your equipment? I could see how it'd be difficult to hide something like that if you have a website or listed it on your tax returns, but for someone that shoots portraits once in a while for some extra cash on the side isn't in danger of NOT being covered by their homeowners policy, are they?