Photographer Insurance AgencyPhotographer & creative insurance quotes

Photographer insurance guide

Camera and gear insurance

Equipment coverage, often written as an inland marine floater, protects your cameras, lenses, lighting, audio, and computers wherever you take them.

Get a Quote

What it covers

  • Theft from your studio, home office, car, or a shoot location
  • Accidental drops and breakage
  • Fire, water, and weather damage
  • Equipment in checked luggage or in transit, subject to conditions
  • Rented gear, if you add rented equipment coverage

Schedule or blanket

High-value items such as camera bodies, cine lenses, and drones are often scheduled individually with serial numbers. Smaller accessories can sit under a blanket limit with a per-item cap. Keep an inventory with photos and receipts.

Replacement cost versus actual cash value

Replacement cost pays to buy equivalent new gear. Actual cash value subtracts depreciation, which can leave a big gap for older bodies. Ask which valuation applies.

Common conditions

  • Locked, unattended vehicle conditions
  • Coverage territory, including international trips
  • Exclusions for mechanical breakdown and gradual wear
  • Deductibles per occurrence

Request a quote for camera equipment.

Frequently asked questions

Does homeowners or renters insurance cover my camera gear?

Personal policies often exclude or limit property used for business. If you are paid for photography, a business equipment policy is the safer choice.

Is accidental damage covered?

Most photography equipment forms cover accidental damage such as drops, subject to a deductible and exclusions like wear and tear.

Is gear left in a car covered?

Many policies cover theft from vehicles only if the car was locked and the gear out of sight. Read the conditions.

More coverage and guides

Last updated October 15, 2026 · How we research