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<blockquote data-quote="Joseph Bautsch" data-source="post: 16349" data-attributes="member: 654"><p>Probably the least expensive way is to add your equipment to your homeowners policy. A separate policy such as a inland marine or a fine arts policy will be more expensive unless you have ten or fifteen thousand in equipment. Then the underwriter will probably require a separate policy. The rider can be attached to your homeowners even if it's in escrow. Contact the agent for your escrow carrier. Your agent will attach the coverage as a policy rider. You will need to complete an inventory list of the items to be insured. They will need proof of value. Find each item for sale on the internet and print out the for sale document and attach to the inventory. The same rider can be attached to a renters policy as well. If you are just deriving income from your photography on a part time basis and not running a licensed business then attaching to your homeowners policy will do fine. If you decide to go pro and open a licensed photography business then you will need to insure the equipment with a commercial business policy.</p></blockquote><p></p>
[QUOTE="Joseph Bautsch, post: 16349, member: 654"] Probably the least expensive way is to add your equipment to your homeowners policy. A separate policy such as a inland marine or a fine arts policy will be more expensive unless you have ten or fifteen thousand in equipment. Then the underwriter will probably require a separate policy. The rider can be attached to your homeowners even if it's in escrow. Contact the agent for your escrow carrier. Your agent will attach the coverage as a policy rider. You will need to complete an inventory list of the items to be insured. They will need proof of value. Find each item for sale on the internet and print out the for sale document and attach to the inventory. The same rider can be attached to a renters policy as well. If you are just deriving income from your photography on a part time basis and not running a licensed business then attaching to your homeowners policy will do fine. If you decide to go pro and open a licensed photography business then you will need to insure the equipment with a commercial business policy. [/QUOTE]
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