Does submitting a property claim make sense in this situation?

My wife was a photographer for a number of years and I’ve been insuring her camera (~$2,000) since 2022 as valuable personal property. It dropped and broke so I called to ask about doing a claim. I have USAA and the agent said it may not even be worth it because it could raise my property insurance altogether because now I will have a claim on my record.

What the heck is the point in me even having insurance on it if it doesn’t make sense to use it? How much does having a claim on your record raise your rates?

If I submit a claim, could I just switch companies and then switch back and it be off my record?