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You can pretty much call up any insurance company and get that type of policy. Some call it a personal articles policy, others have other names. State Farm and Hill & Usher seem to be the favorites if I remember correctly. Working pro's usually use insurance through the PPA, but that wont help if you're not a pro. You may have to specify that you want "all perils" or "all hazards" covered, and you may have to pay extra, but from what I remember most of the personal articles policies are all perils save for a few very specific things...Show more →
good to know, thanks. when i asked my agent they said there were no options that would cover all perils, so i suspect either that company doesn't do it, or he doesn't know what he's talking about.