Quote Originally Posted by Mark Elberson
<p style="clear: both;"]Rick,
<p style="clear: both;"]I also have a rider on my home owner's policy. My insurer made me list out (with great detail) all of the gear that I wanted to be covered which is a real pain when you buy/sell/etc. Did you have to do that as well or do you just have a general $4,000 worth of coverage?
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Mark,


Yes, I had to do the very same thing. State Farm calls it a "Personal Articles" policy. For my camera equipment, they simply asked me to send them a letter that listed manufacturer, description of product (model#) and cost. They also automatically slightly adjust the total policy value (small $'s) each year to keep pace with rising cost of the camera equipment. It is a fairly common policy and reasonably priced. I don't have the "kitchen sink" in that policy either, just the main high dollar items that would be painful if lost or accidentally broken.


Rick