Im an Insurance agent out of NC and I would love to help you guys out if I can. Be carefull relying on your homeownes to cover you as most homeowner policies EXCLUDE coverage for business operations. It is possible to get a relatively inexpensive businessowners policy that covers both your liability and equipment. Though, if you were really trying to save you could get a policy just to cover your camera but, the price would depend on the value and the deductible. I would be happy to help you further but, your best bet is to call a local agent and tell them what you are looking for and get SEVERAL quotes.
