Camera Insurance
Jul 9, 2014 07:14:34 #
DavidPine
Loc: Fredericksburg, TX
For you amateur photographers who have a significant investment in cameras, lenses, equipment and computers you haul around the globe or country and who are concerned with someone stealing your "stuff" or damaging your "stuff" you might consider contacting your primary insurance carrier to add a policy that covers your equipment at home and abroad. I acquired a policy for my equipment because I am always out and about and haul my "stuff" everywhere I go. I have zero deductible for theft and damage for a reasonable fee of $220 per year. If stolen, I need to provide a police report. If damaged the goods need to appear like I didn't do it by design. I had to supply a list of serial numbers, model information and proof of purchase. It doesn't mean that I will be careless with my gear but I feel better knowing if I get hit or drop my D800, computer or an expensive lens that I will be protected. Professional photographers are not covered by this policy but I think they can go through PPA for something similar.
Jul 9, 2014 07:24:17 #
Jul 9, 2014 07:36:05 #
DavidPine
Loc: Fredericksburg, TX
Mine is with State Farm and the policy is called "APA".
traveler90712 wrote:
And who do you have the policy with?
Jul 9, 2014 07:42:48 #
Great idea, I have a choice with ERIE Insurance:
Add my photo equipment to my homeowner policy ( with a $500 deductible)
or have a separate policy with no deductible. I choose that one and it is costing me 1% (per year) of the equipment's worth.
The first option is cheaper but, obviously, does not protect as much.
Add my photo equipment to my homeowner policy ( with a $500 deductible)
or have a separate policy with no deductible. I choose that one and it is costing me 1% (per year) of the equipment's worth.
The first option is cheaper but, obviously, does not protect as much.
Jul 9, 2014 07:50:33 #
DavidPine
Loc: Fredericksburg, TX
I had a bad head on a tripod and with my D7100 and 70-200 mounted it crashed forward to the floor. I was lucky that I had a lens hood on and caught the mess as it hit the floor. The only damage was to the lens hood but I felt like I had to do something to protect my investment against anything in the future.
Jul 9, 2014 08:03:31 #
Allstate provides this type of coverage too. I have been with them for some time but never had to make a claim.
Chris
=DavidPine]Mine is with State Farm and the policy is called "APA".[/quote]
Chris
=DavidPine]Mine is with State Farm and the policy is called "APA".[/quote]
Jul 9, 2014 16:26:38 #
Jul 9, 2014 16:44:30 #
Jul 9, 2014 16:54:40 #
amehta
Loc: Boston
Great tip, thanks. I have a rider on my personal property policy, but this makes me consider getting a separate policy with no deductible, covering both loss and damage.
Jul 9, 2014 17:04:44 #
I have a 0% deductible rider on my homeowners for Camera equipment, computers and jewelry. It only costs around $180. A really good investment. A couple years ago my wife lost the center(big) stone out of her engagement ring. Insurance covered the whole thing with NO questions asked. They didn't increase the premium either(so far.)
Jul 9, 2014 17:08:19 #
DavidPine
Loc: Fredericksburg, TX
I've had a couple of PM's regarding insurance. It is an easy thing to overlook or ignore until you need it. Warranty work is one thing but theft or damage is another and I'd hate to replace anything out of my pocket.
Jul 9, 2014 17:15:48 #
DavidPine wrote:
I've had a couple of PM's regarding insurance. It is an easy thing to overlook or ignore until you need it. Warranty work is one thing but theft or damage is another and I'd hate to replace anything out of my pocket.
I agree David. There aren't many replacements or repair services less than $180., so I figure it is a good investment. The homeowners comes out of an escrow account so it's like I never see it anyway.
Jul 9, 2014 19:08:20 #
David...You must have quite a bit of gear. I'm paying insurance with S.F. on $5,000 worth of equipment and it costs me $60/yr.
Jul 9, 2014 19:10:18 #
DavidPine
Loc: Fredericksburg, TX
According to your numbers, I am paying about what I should.
:thumbup: :thumbup:
SteveR wrote:
David...You must have quite a bit of gear. I'm paying insurance with S.F. on $5,000 worth of equipment and it costs me $60/yr.
:thumbup: :thumbup:
Jul 9, 2014 19:16:40 #
DavidPine wrote:
According to your numbers, I am paying about what I should.
:thumbup: :thumbup:
:thumbup: :thumbup:
Do you rent??? :lol: :lol: :lol:
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