To add to Ralph's comments you need to know that it is not enough to NOT consider yourself a pro. I f you use the equipment in any way to make ANY money then it is not a wise idea to cover it under your Homeowners Policy. Commercial policies are available and John Cook was in the right ballpark on prices. I cover ONLY the gear that leaves the studio figuring the stuff that never moves is reasonably safe and otherwise covered.
I would have to look at the policy for the exsact dollar amount of the coverage but it is something like $12,000 - $14,000 and I pay less than $500 a year. To me that is a small price to pay for a possible major loss and I once did lose a camera when the wind blew it over. The company is Peerless Insurance http://www.peerless-ins.com/ and I buy through my agent.
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