I had to have a separate clause on my home insurance (and my travel insurance) as the items were of a higher value than the individual item allowance. Now I have an insurance policy specifically for the camera gear, then it's covered at home and when travelling.
I've had this conversation with my agent for my Homeowners Insurance. As long as it's documented I am covered, as long as it is not being used commercially. That said, there is risk with making a claim on homeowners and a claim could wind up costing more in premium increases than the claim is worth. I'd only ever make a claim if there was a large loss associated with a home disaster, like a fire. I would not make a claim for a theft that was not related to a home burglary, for instance.
