Fortunately, I've never had to put a claim in for equipment until recently and I learned something that makes a big difference. I wish I had known this before! All of my "big" equipment (bodies, lenses) are "scheduled" but I listed my tripods under Miscellaneous equipment (even though I listed them by brand name & model #).
Well, last week I lost my tripod, a Gitzo 5 series legs & RRS BH-55 head, approx. $1200 original cost when I purchased them ~20 years ago. Today's replacement cost is approx.$1600 + tax. My insurance is through Chubb (via NANPA). Deductible is $250. Because my tripod/head was "unscheduled", insurance will only pay a maximum of $500 instead of the larger amount. Of course, I didn't know this when I listed my equipment. To be honest. I don't even know the difference between Scheduled and Unscheduled equipment, other than you kinda get screwed on the unscheduled when you file a claim.
Lesson learned - Ask your agent about any difference in payout between scheduled & unscheduled equipment and, if possible, schedule ANY equipment that costs more than the maximum unscheduled payout.
Have a great day!