Coverage Gaps: Homeowners & Third-Party
Where homeowners and renters policies fall short for camera gear, and what happens when someone else is using your equipment.
What Actually Happens When Your Camera Gets Stolen and You Have No Insurance
A working photographer's camera and main lens were stolen from her car with no gear insurance in place. Here's what the community's 80-comment response reveals about what 'coverage' people assume they have, what it actually costs to insure gear properly, and what to do if it's already too late.
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Lending Your Camera to a Friend: What Your Policy Actually Covers If They Drop It
Handing your gear to someone else for a day raises a question most camera policies never spell out clearly: does coverage follow the equipment, or follow you? Here's how to tell, and when to get it in writing.
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Does Homeowners or Renters Insurance Cover Water Damage to Your Camera? Usually Not
A wave knocked a camera into the ocean and the claim got denied over "surface water," not electronics failure. That denial matches standard, industry-wide policy language almost word for word — here's the exclusion, quoted directly.
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Travelers' HQ-61B Endorsement Covers Cameras, But Only If You Already Have a Travelers Home Policy
"HQ-61B" is Travelers' Valuable Items Plus endorsement, and cameras are explicitly one of the covered classes. Here's what it actually covers, what it costs you in flexibility, and the one upside worth crediting.
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