I'm looking into getting insurance for my gear (just about $4k worth). I called out insurance agent at Allstate and was quoted $10 a year (rider on the home policy). The thing is that the deductible would be $1000 and if we make a claim we would lose whatever discount we have on our current home policy. Also, the rider only covers theft.
I'm only thinking about getting insurance for the peace of mind. But the rider option doesn't seem worth it to be. I've looked at other photographers-specific companies but they're pretty expensive as well ($500-600 a year). I'm not a professional so this is just a hobby. Can you guys recommend any other way/companies to go about this?