Upload & Sell: Off
It is amazing as to how much equipment you can accumlate over time, Camera, lenses, flash, brackets, bags, cables, chargers, computers, laptops, memory cards and other misc items, you may think you only have $3200 but I bet you have more than you think. I don't really shoot professionally, in the sense that I make my living on photos, but insurance is a must. I originally got insurance becuase I do take photos at my sons high school and I purchased it for liability. Needless to say I was not expecting Hurrican Ike to come in and take my roof off my house and cause over 60,000 worth of structural damage. I was so happy that I had a extra policy from TCP and Fireman Funds. They handled my claim very fast and I already have my check and I am working on replacing my damaged equipment . I purchased it for liability but it has paid off with the loss of my equipment. I HIGHLY recommend insurance for many different reasons and consider that you do have more in equipment than you think.