#1) Outside insurance agents are usually 'tards. I'd call your company or claims department direct to verify this.
#2) Sure, your policy may vary from state to state, company to company, but generally, there are certain "perils" or causes of loss under which a contents (camera) loss would be covered. The specific incident of the OP would not be covered under a standard HO policy.
#3) You stated you bumped up your policy to 5k. This would mean you added an endorsement or rider. In other words, you don't have the "standard" policy. Many specific riders or additions will cover contents loss regardless of cause. Of course you have to pay an extra premium for it. This may be what you have. I was referring to the specific case of the OP, not yours.
#4) I'm an insurance adjuster and do this day in and day out
tharmsen wrote in post #7412361
Not entirely true.
After reading this story I called my insurance agent and found out my camera was covered up to $1,500 given my policy. Obviously this amount/coverage changes depending on your particular company/policy. For me, this would cover the cost of my camera only... a 50D. Nothing near the price of a 1Dx. Conversely, I have $5,000 coverage for firearms by default with my policy. Go figure.
Different policies and companies will have different coverage.
I bumped my coverage to $5k which covers pretty much everything I carry in my camera bag for $80 a year.