The insurance company can also exclude your use of the homeowners policy based on the total dollar value or the type and number of photographic items you are insuring. This is just like insuring and valuable jewelry items or collectibles the insurance company is going to try to limit their losses or collect enough premium to cover your loss.
You need to provide detailed information about your cameras and other equipment to your insurance agent and discuss with him or her about your specific needs. This could include an inventory list of the make, model, and serial number of the items you want covered. You should also keep this list in a safe place like a safety deposit box in case of loss. You should also discuss with your insurance agent what you need to do as you continue to purchase camera equipment and what you need to report to him, her, or the insurance company.
The inland marine rider started out for transportation and storage of goods along the open ocean and inland waterways of the world. It has been expanded to other high value or high risk items. It is now used to describe a class of items for special risk analysis to detrmine the insurance premium charges.