LONDON808 wrote in post #10055711
Unless you have a company to write the exspense off to insurance is not worth it . If you have 5k worth of gear and it gets stolen the insurance company is going to do all itcan to get out of it
if it's stolen from your house it should be covered under your home owner insurance which is good enough for most
I'm struggling to simply read your statement, but yes if you own a home and have homeowner's insurance, it SHOULD cover your gear. The important word there is SHOULD. You need to read your policy carefully and/or contact your agent to clarify exactly what is and is not covered.
For example: I have State Farm Homeowner's, it covers my camera gear without any specified $$$ limit in my home or outside of it for theft. Of course there is a deductable, and if I am considered a working pro (by their definition making more than 50% of my income from my photo gear) it would not be covered except by a stand-alone additional coverage policy.
Your insurance may vary, once again checking carefully is the best advice.
Also, if you're a renter you cannot have homeowner's insurance, it's called renter's insurance, and once again you would be well advised to check into exactly what is and is not covered. Renters policies differ greatly from Homeowner's policies.
In any case, a complete list of your gear, including serial numbers, along with purchase dates, what was paid for it, and a rough approximation of its current replacement value is a necessity. I keep my equipment list in an Excel/Open Office spreadsheet on my laptop. I've also saved it as a PDF file and transfered it to my iPhone, so that it's with me at all times that my gear might be.