Understatement. Only a non-professional photography hobbyist, not for professional use($ale of photos), may file a home owners insurance claim for the photography gear (assuming you have a rider to cover the gear).

If you sell your photos and file an insurance claim for your gear stating you are a hobbyist and the insurance company finds out otherwise, you might be staring at an insurance fraud claim. Don't go there. Screaming Scott has the wisdom here:f only pursue Commercial insurance if you sell your photos.

ML, I fully understand your thoughts, being that you are new to Affinity. I found that my knowledge of PS was a major stumbling block as i tried to force Affinity to behave the same. I don't think you can "play around" with Affinity to see if it has a similar framiliar function as PS, and then call the software "not able to do advanced work". It takes time and learning curve to realize that it will do everything and way more that PS will also do, with some amazing bells and whistles. (i.e. blazing speed workflow, selections and masking and many feature rich adjustments). So far, the only drawback I have found is its inability to batch catalog photos...but that is why I purchased Capture One which is a direct replacement for LR. I hope you stick with Affinity to learn the goods so we can all hear specific comparisons of features, or even 'how to' comments'. I myself still have a long way to go in learning the new software and so far I am really happy I made the switch. I'm a big fan, as are the 2,000,000 base users announced at their last conference. PS can't be happy about that and if there is a financial hit to Adobe, I bet we would see a change in the business model. Nothing wrong with a subscription if that suites your business needs, and also having a desktop product if that works out better. The problem for me was being forced to adopt Adobe's subscription business model. I prefer options.

PS is a super great tool too, and it is fully integrated into the commercial space as a standard. No company is going to dethrone PS unless the standards change.

I am exceptionally excited about Affinity Photo from Serif. $49, fully loaded. Nearly identical in features to Photoshop. check it out here: https://affinity.serif.com/en-us/

There is a learning curve, as in all software. Excellent online training and books and plenty of youtube user contributed training. I am still coming up to speed on this software.

Affinity, however, does not do cataloging, like LightRoom. So i purchased last week (Black Friday deals), a fully loaded Capture One with a repurchase to an automatic update to v2 when it is released.

Good luck to all of us-lol