Calhoun213 wrote in post #16240957
Almost every insurance company that sells homeowner insurance (including renter's policies or condo policies) will have the capability of scheduling camera equipment. Just like scheduling guns or jewelry. It is added directly to your policy. They charge so much per $100 or $1000 of value. Probably the most valuable protection is coverage against breakage. If you didn't schedule your camera / lens and you accidently dropped it and damaged it there is no coverage under the standard homeowners policy. Contact your agent and provide them with a description of your items and the value.
farmer's does not. and that's a big one. they cover all my properties, so they were the first i called.
and like the op noted, and many have implied above, it's not always a good idea to add to your existing policy. state farm has a completely seperate policy, as noted above, and protects against most anything. it's the only one i know of from a larger company and i also researched this a long time.
so, if anyone knows of another one other than state farm, that would be very helpful.