Rented lenses often are not covered by standard homeowners or renters insurance, and even when photography gear is covered, policies may have low limits. A claim could also affect your homeowners policy.

The safest approach is to ask your insurer directly whether rented camera equipment is covered, and if not, whether they can add a rider or an inland marine policy for temporary rented gear. Specialty rental-gear insurers are another option, though premiums and deductibles can be high.

Another practical alternative is to rent from a company that offers insurance at checkout, since that can simplify both buying coverage and handling any claim.

Before renting, confirm:

• whether rented gear is covered at all
• coverage limits and deductible
• whether travel out of state is included
• whether accidental damage, theft, and loss are covered

If you can’t get clear written coverage, assume you may be responsible for the full replacement cost.