edl415 wrote:
I have the same setup. $80 annually for $10K of coverage, all-risk zero deductible.
My agent also shoots so I'm sure if/when I need the coverage, I shouldn't have any issues.
I also have a very similar plan as yours. The only thing it doesn't cover is if I was out hiking for a professional shoot (personal use is fine). Luckily I have never needed to use it but my client assured me it would not affect my home policy at all. The worse that could happen is after several claims they would just not allow me to insure my equipment.
