[MikeW]

I called the agency where I use to work. I have carried my P&C Insurance license for 10+ years and this should not be a big deal to get covered.

The person that I spoke to has 25+ years in personal lines insurance writing with various carriers. She agreed that it will depend on the carrier as to how this risk could best be covered. She did say that there are carriers that will use a blank endorsement (on your home owners) to write the coverage that you want with any deductible, and on agreed value.

I understand that you want replies here on the site so you can see the coverage’s/pricing that others may have but you would have to switch to that carrier. Then where you live vs. where they live can still effect the pricing greatly.

The only way this would not go on your home owner’s coverage would be if you use your equipment commercially. If you make money for a shoot then the equipment needs to be covered under a commercial insurance policy. The rate may even be better going that route.


Good luck and I hope that you get the replies that you are looking for.