Wow, this was really helpful.
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Since this thread was posted I have taken the time to look into some insurance, and some from the providers that some of you have mentioned on this thread, and have found that it is a major challenge to find something affordable that can cover more than, say, $10K in equipment. My homeowners policy rider, in the amount to cover my equipment, would be nearly $2,000 per year but would not cover more than $10K in losses or damage outside of my home, which is where I would need the insurance coverage the most....I checked with Hiscox and their insurance would only cover up to $10K...anyone out there got anything that would cover, say $50K worth of equipment at a cost say $1,000 per year instead of $2,000...I you join the North American Nature Photographers Association (NANPA), you can sign up for insurance through Rand/Chubb. My one claim experience was very positive and it is true commercial photography insurance so there's no need to worry about affecting your homeowner's policy or having a claim rejected due to "commercial use" or anything like that. It's $0.0245 per dollar of insurance (you determine the full replacement value) so $10k of insurance would be $245 a year + $100 annual NANPA membership fee - $345. I have well over $10k worth of gear insured and I'm sure George Lepp and others (who use their insurance) do as well. NANPA's pretty cool, too, so the $100 isn't a waste at all.
Unfortunately, none of the State farm agents in Houston agreed to a stand-alone policy. I think it differs by location and the agent involved.
Do you have a homeowners/renters policy with them? I'm pretty sure that's the only way they'll write a Personal Articles policy. It's the same policy that covers jewelry, fine art, etc., above the basic limits on the primary policy, so if you have home/rental coverage with them, and the agent still won't write a PA policy, I'd get a new agent or call State Farm directly.
You are right, they will write a personal articles policy WITH a renter's/homeowners policy. However, they didn't agree to a stand-alone PA policy as miah mentioned in his post. I have heard State Farm agents do so elsewhere, but not in Houston.
I don't need a renter's since I live in a high-security apartment for doctors and scientists with police surveillance and close-circuit cameras, so I am trying to get an insurance just for the photography equipment against accidental damage and security away from home, as is available in the UK (for non-professionals). I guess I might end up getting a renter's after all, but I would like to see if there are any options.
Talk to your agent and add it on to your homeowner's and car insurance for best discount. They will have you list everything, including prices and serial numbers. Be sure to get a rider that provides for replacement not pro rata payout for loss/theft/damage, etc.