Owned Equipment Coverage

This policy is designed to cover your owned gear, as well as financed, leased or rented gear. This coverage will apply while your gear is in use, storage or transit, worldwide.

  • Flexible Term: Semiannual or Annual policy coverage available
  • Flexible Coverage: Flexible coverage, limits and deductibles
  • Low Cost: Semiannual coverage starting at $300. Annual coverage starting at $340.
  • Worldwide Coverage: Your gear is covered anywhere in the world, as long as you are not traveling to a sanctioned country!

Equipment Covered By The Policy

  • Cameras, camera equipment, sound, lighting and grip equipment, communications equipment, portable electric equipment, editing and projection equipment, office personal property, generators, mechanical effects equipment, props, sets, wardrobes, dance equipment, similar personal property, related production equipment, musical instruments, recording and editing equipment, and similar equipment involved in music and film production.

Covered Causes of Loss and Damage

  • Accidental Damage, Theft, Fire, Earthquake, Flood, Acts of Terrorism, Smoke, Water Damage, Falling Objects, Damage or Loss in Transit, Lightning, Explosion, Windstorm & Hail

Policy Exclusions

  • Wear and Tear, Drone Damage or Loss while in Operation, Hidden or Latent Defect, Mechanical Breakdown, Dishonesty, Governmental Action, Acts or decisions, Consequential Loss, Dampness, Dryness, or Extremes of Temperature, Insects, Vermin, Negligent Work, Nuclear Hazard, Pollutants, Rust, Oxidation, Corrosion or Discoloration, Unauthorized Transfer, War or Military Action & Equipment in any country being sanctioned by the US.
  • The following exclusions can be removed from your policy: Theft from an unlocked vehicle, equipment afloat or submerged, Theft from Vehicle above $100,000, False Pretense & limits above $25,000 in Mexico


  • Standard Deductible Options: $250, $500, $1,000, $2,500 and $5,000
  • Specialized Deductible Options (theft from a vehicle & international claims): $500, $1,000, $2,500 and $5,000
  • Deductibles apply per claim, and if the claim involves rented equipment, you will be required to pay the deductible directly to the rental house

What to Schedule

  • Owned equipment individually valued over $5,000 must be scheduled onto your policy. To 'Schedule' an item, you'll need to list the make, model, replacement cost and serial number if applicable.
  • All items individually valued below $5,000 can be covered by the unscheduled limit with no additional detail added.
  • If you acquire a new piece of equipment valued above $5,000, you have up to 90 days to enter that item onto your policy schedule or no coverage will apply. 

International Travel

Payments and Price

  • Semiannual Policies (6 Month Term) start at $300
  • Annual Policies start at $340.
  • You can view a quote immediately after completing your application.
  • Complete payment using your major US credit card.

Claims and Valuation

  • Submit a claim at any time from your dashboard at InsureMyEquipment.com. 
  • Valuation is based on Replacement Cost Basis.

Find more information at Help.InsureMyEquipment.com or reach out to us.