junior2725
Contributor
I think that you'll be fine, I've always used a scheduled policy on my homeowners policy and in 30 years I've had two claims ... they were not handled quickly, I had to stay on them, but in the end they were handled fairly.
Don't kick yourself over the delay, if you'd had DAN insurance they'd still wait for your homeowners to come through because their coverage is secondary.
Your GPS may be covered on your regular homeowners, did you buy it recently with a credit card? Sometimes there's secondary coverage there too.
Most likely the GPS is covered under my renters policy, but the deductable on that is higher than the GPS so it is not really worth it. I will check on how I paid for it. I think it was with my debit card/ or cash, so I think I'm out of luck there also.
I'm just really happy that I should get my camera stuff replaced.