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Message: <blockquote data-quote="WayneF" data-source="post: 345424" data-attributes="member: 12496">If you are a professional, doing work for fees, home owners will not cover it.  Then you do need a separate policy.Otherwise, adding a rider item to homeowners is inexpensive... varies, but perhaps around $1.20 per hundred dollars covered, per year... and covers accidental damage and loss too, replacement value, no deductible, etc.  But not wear and tear.I dropped camera on a lens on a vacation, and Nikon repaired the lens, and I sent bill and original invoice to insurance, and they promptly reimbursed 100%.Talk to your insurance agent.</blockquote>