I have confirmed with my new homeowner policy what someone pointed out above. They will NOT cover camera gear if you make any money at photography, even if it is a miniscule amount (as it is in my case). It seems if you do have even a small, part-time business that the best bet is to get it through a photo organization (NANPA or PPA or the like). I have NOT heavily researched this, though, so take it with a grain of salt.
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