Originally posted by Tom S. First off, read your policy. If your camera isn't specifically excluded, it's covered. If it is excluded and your insurance company is unwilling to write an affordable rider, switch companies.
After reading the separate policy they sent me for the camera gear, I'm wondering if there's much sense in bothering with it. It only covers breakage if it's caused by fire, lightning, explosion, windstorm, earthquake, car collision or attempted theft/vandalism. It doesn't say anything specifically about theft, either.
What I want is insurance that will cover virtually everything. Like if I slip & fall down on the camera, or the strap breaks, etc. I don't know if such a thing exists, though.