gvarner Loc: Central Oregon Coast

I have a personal property policy with State Farm for all my camera gear. It's cheap if you're not a pro. Covers loss or repair, no deductible, and no depreciation. It also covers used or refurbished gear. My agent says repair is covered to the purchase value and they have the option to replace if repair is 80% of covered value. Anything over $2000 requires a proof of purchase. You can even cover computers and printers but I haven't done that yet. They don't cover major appliances under this type of policy. Check it out with an agent. I would think that anyone buying used or refurbished gear with no or short warranties would want to have their gear covered. I only have about $3000 worth of photo gear and am paying less than $50/year.

Rickyb

Your lucky and State Farm is a very good company.

jeep_daddy Loc: Prescott AZ

Allstate is a good company, but when I talked to my agent he wanted me to take all my equipment and have an appraisal done. What a pain that would be. Who would want to do an appraisal. That would take time and cost money.

warrior Loc: Paso Robles CA

Police report needed if items stolen.

Drewline Loc: Castle Rock, Colorado

State Farm has gotten tighter & tighter on what they cover under a personal articles policy. We have all our camera equipment and musical instruments covered that way. Last year when my wife acquired a 1958 Gibson ES-125 they wanted it appraised so I wrote them an appraisal on my business letterhead which they accepted. I've wanted to switch away from State Farm and save some money but finding the equivalent coverage with a local agent has been a problem.

gvarner Loc: Central Oregon Coast

All I have to do is provide purchase price, make, model, serial # if applicable. I had an SLR film camera and lens, didn't know the value, and the agent found one on eBay and used that for the insured amount. Jewelry and collectibles would have to be appraised so we didn't do that.

rgrenaderphoto Loc: Hollywood, CA

I added all my gear to my homeowners policy, cost $165 for the year for full replacement value.

bpulv Loc: Buena Park, CA

I have a similar floater on my Farmers homeowners policy. It costs me under $50 a year for $10,000 coverage. Farmers requires that you provide proof of purchase and serial numbers on all major equipment such as camera bodies and lenses and covers all unlisted miscellaneous equipment such as flash units, light meters, tripods, lens and sensor cleaning equipment, etc. to a maximum of $500.

tcthome Loc: NJ

Yup , I have my gear covered with State Farm. Just renewed for the 3rd year. It started out 1rst year $130 something . This year $154.00. I purchased new about $11,000.00 of gear. Reason for the increase is the lenses cost more to replace now. I purchased during a Nikon sale. It is a straight forward policy with no trick wording , the way it should be. Peace of mind.

jwj53

I have $10000 worth of gear including my Lee filters and RRS Tripod and Ball Head. Through Nationwide I pay $127.00 a year.

billnikon Loc: Pennsylvania/Ohio/Florida/Maui/Oregon/Vermont

I have All State that also adds replacement of any item stolen. At home or away.

BboH Loc: s of 2/21, Ellicott City, MD

I use Travelers "Blanket coverage" - which is a part of its homeowners program. Have $10,000 applicable to any or all of my camera stuff. If I have a claim I have to show ownership, possession and value. Pays the lesser of repair or replacement, no depreciation or deductible. Should claim go above $10,000 then homeowners policy covers subject to deductible. Does NO cover business use - meaning exchanging labor or product for value (shoot a wedding cor cash; sell prints)

brooklyn-camera I Loc: Brooklyn, NY

I also have a PPP with State Farm, I needed receipts for all items covered from camera bodies to batteries to filters to lens hoods, etc., etc., etc. I had a Sigma 70-200mm f/2.8 damaged when shooting a football game. Blindsided and gear hit ground and the lens broke in half. Sent State Farm a photo of the broken lens and within a few days a check for $1300 was in my hands. The policy paid for itself already. Anyone with camera gear should have some type of insurance for your equipment, I speak from experience.

twillsol Loc: St. Louis, MO

I have all my gear covered with State Farm too. It cost approximately $1.00 per month per thousand. I have had one claim, when I fell while out in the woods and my flash bit the dust. They had it repaired like new with no complaints. They only wanted to see the estimate for repairs and immediately sent me a check to cove all costs.

jwn Loc: SOUTHEAST GEORGIA USA

If your not in business, gear is covered under your unendorsed policy just like you shoes & tv, it's personal property, covered everywhere you go subject to the policy deductible. Floater or scheduled property became popular because you could get lower deductible for the gear. I had $10,000. of gear stolen out of my car and it was covered subject to the deductible. There was no prior scheduling of gear, just reported the theft to police filed proof of loss turned in the warrantee cards and was paid in two weeks. Agents that work for State Farm and some Allstate can only offer single company product. Independent agents can offer several company policies. State Farm is like going to a Ford dealership and asking for a Chevy....can't happen. The job of your agent/broker is to eliminate the "wiggle room" from policies. The wiggle room is where you get screwed by the company. And Always ask where it says that in the policy, and ask for it in writing especially claim denials. If you want legal advise go to attorney , if you want medical advise go to a doctor , if you want insurance advice get professional agent......