PekkaM wrote:belmondo wrote:You’re
all amateurs. Try dropping a 100-400L sometime. That will get your attention in a big hurry and earn you a visit to the Canon service center. It will also allow you to exercise your VISA card. (the sad voice of experience).

You don't have insurance? My home insurance (60€ a year) replaces or repairs up to 3400€ of hobby equipment I accidentally break in Finland or Scandinavia (of the part of total cost that goes over 120€ that I have to pay myself).
We have something of a unique situation in California right now. Within the last few years we've had several natural disasters that have cost the insurance companies a lot of money. Another problem they've cited are losses due to a recent upturn in claims relating to mold and fungus issues---a new class of lawsuits that's become 'trendy' among trial lawyers.
Regardless of the reason, insurance companies are become very hard to deal with and extraordinarily selective about the policies they write. One large company has stopped writing any new homeowners policies altogether while others have limited the number of policies one customer can have. On the other hand, it is impossible to get a fire policy for a rental property if you don't have your primary homeowner’s coverage with the same company. The costs of coverage have escalated significantly, and to compensate, people are buying into programs with larger deductibles and lower coverage amounts.
I called my agent and inquired about coverage for my photo equipment. He told me to prepare a list and he'd get me a quote. I will admit that I have a fair amount of expensive gear, but the price he gave me for insurance was beyond all reason. It was very clear they weren't really interested in that kind of business. It was several hundred dollars per year, and the deductible was something like $500.00 per incident as I recall. Ironically, the equipment is already covered for certain kinds of losses under my present policy. That would include fire and theft while in the house, but not breakage.