Mark, I'll look into becoming a member
There website is pretty nice! Thanks
Bob, same with the car. I never use it, but you have to have it
Bobby,
My guy told me that having a few people a month come in the house can be covered under the homeowners no problem. If I had lots of people per week then I would need to get a commercial policy he told me.
The equipment needs to go under a different policy, because iis being used for professional use he said. Personal use it can be covered under the homeowners though. A soon as you are charging for pics it becomes professional use and the computers/ camera gear is no longer under the home owners coverage.
Best,
Jay