Photography requires a large financial investment as we go from interest to hobby to professional. We constantly worry about our kit getting broken or malfunctioning as we manage used camera body's and craigslist buy lenses. Heaven forbid something from our kit gets lost or even STOLEN!
Didn't think it would happen to me, but it definitely did while working the First Friday Art Walk in Denver on a non-photography related job. Brought my camera with me 24/7 to shoot more often and think in a photographic manner. 11pm on a Friday night and 9hrs into my shift i put my bag down while sorting some trash into recycling, compost and landfill
There are three routes that we can take to help prepare in case one of these tragedies, or fall upon us during this most important stage of our quest to becoming a pro-photographer.
Save up; work hard; Buy Used
know your friends expand/ expand your photography related network- know who else has a camera to use/borrow (PHWFF volunteer photographer, Rich VTF had camera never used)
My renter's insurance had a lapsed coverage which left me with two of the options left. Instead of picking one, I picked both and borrowed a camera while I worked hard and saved up to by another camera. Now I'm happy to say I'm shooting a full-frame canon camera that can also shoot hd video. A much better camera then the one that was stolen from me, and one I thought I wouldn't be able to afford for another year or two.
All in all, it was a shit moment that was anything but fun to endure. I did face it, and while I was freaking out on some levels, I mostly stayed calm and kept challenging myself to come up with another way to borrow or buy a camera. And I did, not right away, but I did figure it out. If you stick with your problems, and keep trying to solve them, you will too.