How do you insure your gear?

[FTb-n]

As a victim of Gear Acquisition Syndrome, my investment has grown significantly over the past few years. Most of what I shoot is volunteer work for my kids' school and a local figure skating club. But now, I'm starting to take on private clients on a very occasional basis. I may be approaching that gray area between hobby and pro when it comes to my home owner's insurance. So, I'm considering a separate policy that won't be voided should professional work accelerate.

For the pros and semi-pros, how do you insure your gear?

Is PPA membership/insurance worth considering?

 

[Dylan777]

Geico

 

[mackguyver]

I looked around for a long time and then ended up joining NANPA (North American Nature Photography Association). The membership is only $100/yr unlike PPA and others and the insurance (see this page) is the most reasonable I could find at $0.0245 per dollar of insured gear. I've had one claim with them and received my check right away after sending them some documentation.