Camera Insurance
May 25, 2017 12:21:02 #
Planning a trip to Kenya, looking for insurance for photography equipment, I would appreciate suggestions for where to look and how to price equipment. Doug
May 25, 2017 12:36:30 #
You didn't give us any information i.e. country you're in, whether you own home, etc. So try your homeowner's insurance you may be already covered. Try looking online under camera insurance. What's important is that you get Replacement Value insurance, so in the event you have a loss or theft you get enough $$ to replace what was lost. For replacement value, check B&H, Adorama or other retail store. Don't forget to include camera bag, filters, lens cleaner, other accessories you might have. And take photos of equipment and record serial numbers and approximate date you purchased and where (keep receipts if you have them). Hope this helps.
May 25, 2017 12:44:58 #
Sorry for the lack of information. We live in the US, own Nikon equipment most several years old. I never thought of home owners insurance covering photography equipment when traveling to foreign country, will certainly check. Not sure I will be able to identify year of purchase or price, will require a little searching of files, hopefully with some success. Thanks for the response, will now start to work. Doug
May 25, 2017 12:45:24 #
DMF wrote:
Planning a trip to Kenya, looking for insurance for photography equipment, I would appreciate suggestions for where to look and how to price equipment. Doug
Assuming you own your home, and thus have homeowners insurance, there will be some coverage there for your 'photographic equipment', but it is likely limited to around $2500, for ALL equipment.
The easiest method to acquire coverage for your equipment is to have your agent add an 'inland marine' rider where you can specify the coverage you want on each item, and pay the resulting premium. I simply used the amount I paid for each item as a value.
I have over $10,000 coverage for my equipment and the premium is about $150/year.
May 25, 2017 12:48:47 #
May 25, 2017 13:25:39 #
Good advice from BruceWells - as to having older equipment, then what would be comparable today and what is today's $$.
May 26, 2017 08:25:24 #
My homowner's only covers fire or theft. I got my supplemental insurance through "Mack" who covers it against anything including drops, spills or whatever.
May 26, 2017 08:44:10 #
DMF wrote:
Planning a trip to Kenya, looking for insurance for photography equipment, I would appreciate suggestions for where to look and how to price equipment. Doug
This article may help.
http://www.lightstalking.com/camera-insurance/
May 26, 2017 08:50:49 #
jwn
Loc: SOUTHEAST GEORGIA USA
Some homeowners policies cover worldwide some do not. if this one time trip you can get insurance for personal property in many of the trip cancellation policies. you may also look into your health coverage, and repatriation coverage to get you back to the US if you become ill.
May 26, 2017 08:51:43 #
jwn wrote:
Some homeowners policies cover worldwide some do not. if this one time trip you can get insurance for personal property in many of the trip cancellation policies. you may also look into your health coverage, and repatriation coverage to get you back to the US if you become ill.
Three things to remember about insurance: loophole, loophole, loophole.
May 26, 2017 09:06:00 #
Many things I failed to considered. As suggested I will begin with my insurance agent and prepare an inventory of equipment, it would be exspensive (difficult) to replace. Thank everyone for taking time to help.
May 26, 2017 09:32:10 #
We have State Farm and I purchased a supplemental insurance policy on my Nikon equipment on our trip to Alaska. I believe it was $90 for the year and I brought over 12k in equipment. I printed out a list of lenses and camera's, average price and all serial numbers of each. No problems and put my mind at ease for the trip.
Good luck!
Good luck!
May 26, 2017 09:51:39 #
I, too, went the route of a rider policy. The $60 a year is peace of mind as it has no deductible.
Rick
Rick
May 26, 2017 10:19:30 #
I have a valuables rider policy and have listed all camera equipment. No deductible. Covers theft, dropped damage etc. about $100 annual fee.
May 26, 2017 10:48:08 #
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