Quote Originally Posted by Mark Elberson View Post
Good advice, but I was just trying to set a benchmark based on other people's experiences. From the few responses I've received (and personal experience as well) it it quite clear to me that my insurer is the exception and not the rule. That's fine. That's there prerogative. I just wanted to make sure that my expectations weren't out of line.
Well it probably isn’t the exception, because everyone I have had seems to do it differently.

Agents are good to have and can be helpful, but when it comes to a claim it is what the policy said not what the agent told you. To get my rider on my current policy I spent a few days sending emails back and forth to mine asking for clarifications on how the policy read in regard to the adder for the camera equipment.

But; in regard to your present company, and my experience with them I was not satisfied. If you are questioning their practices now, how will they handle your claim if all your camera gear gets stolen?