State Farm, when I set up the policy I just sent a spreadsheet with model numbers and prices. When I added items later, they asked for receipts.

Problem: you get paid for shoots, Mark. Almost all the home insurance rider policies, they don't cover if it's a business. Have you discussed that with them? I'd be concerned that even if an agent sells you the policy, the main office might deny a claim if all they have to do is google your name.