Does Renters Insurance Cover Camera Equipment? 
Yes , they usually do , but talk to your Insurance Professional because many companies will only cover unscheduled camera equipment up to a certain limit and subject to your policy deductible . In order to be sure that you have the proper amount of coverage that you need for items like this , it is best to consider insuring it `` specifically '' on either a rider to your Renters Policy or as a stand-alone contract . This way , your coverage will be based upon the retail value or appraised value of your equipment , which would also be identified by make and model which would make replacement much easier if you suffered a covered loss . Also , in most cases , this coverage is offered with out a deductible as an option meaning that you have in effect dollar 1 protection . 