Check your VISA card contract. If you have a VISA Premier your equipment is probably already insured, providing you used your card to buy it. :)

Note that it could also be true with the "normal" VISA card. It's worth checking with your bank before you go spending more money…

Yep, that's what I did. In the mean time just remember that whilst using your equipment for financial gain, it's not insured. Also, when you get to the stage of notifying them of the change of use, remember you'll need to invest in public liability and professional indemnity insurance too!

That last part about business use is tricky for me... I don't do that YET, but I am trying to start selling prints and do some event coverage when I can get it, so I don't use it for money now but I hopefully will soon but I don't know when that might be. I guess the safe option would be treat it as being used for business all the way, but maybe I can talk to them and explain that and when I do actually start making money with the thing, then I can change the policy in preparation for that.

My equipment is on my home insurance as a "specified item", which covers all risks at home and abroad. It was cheaper than any comparable quote from a specialist camera insurer, and has a lot less restrictions. All I need to tell them is a total amount of cover I need, not specify each item, so so long as I stay beneath this value everything is insured. One word of warning, you do need to tell them if you're using it for business use, or they won't pay out. It put the price up a bit, but still WAY bellow the next best quote.

Haven't run into anything else on this website, so I wonder if there would be other recommendations for someone wanting camera insurance in the United States?

Straight of their website.

E&L® Camera Equipment Insurance provides superb, low cost cover

Cover available for equipment valued up to £10,000
Policies for amateur and professional photographers
Choice of cover: Room Only and All Risk
Theft, damage and accidental loss, replacement hire, personal accident and public liability cover included as standard
Up to 2 years new for old cover available
Optional extensions: Unattended vehicle cover (all risk policy only); Unlimited worldwide cover (all risk policy only)
15% online discount
Buying camera equipment can be an expensive investment and it is an unfortunate reality that theft can be a major problem. It makes sense to protect your camera and equipment with quality insurance from E&L®. We are confident that you will find a camera insurance policy to suit your needs.

Cover for amateurs and professional photographers available:

Amateur: Camera and equipment not used for business purposes or to earn an income
Professional: Camera and equipment used to earn an income from photography
Choose Room Only or All Risk cover:

Room Only: Insurance cover is provided inside the risk address only. For example, in a photographic studio.
All Risk: Required if photographic equipment is to be removed from risk address. For example, to a shoot or abroad. Ideal camera equipment insurance policy for mobile photographers.

If you are uk based, try E & L insurance
I've got all my photographic equipment and telescopes insured,
Including world wide cover 11K of equipment for £300 ish.

Mac

I cant believe that no one has replied to this. I am interested also. Not homeowners which sometimes might cover camera equipment but actual insurance on your equipment. Its been 9 months maybe everyone just needed time to think about the question

Hi All,
some of you might already know...I've just got the Nikon 24-70 f/2.8 which wasn't cheap (but loving it) aand am going to get the D700 or replacement shortly.

All this is huge money and as I'm renowned to be a clumsy guy, I can already see the time when I'm gonna drop the camera on the floor...

Could you recommend any good value worldwide insurance that I can apply for in order to cover my camera gear if damaged/stolen/broken? Many thanks.