insurance on your camera equipment !
Nov 27, 2012 21:35:45 #
Does anyone have any good suggestions on camera equipment insurance ?
Nov 27, 2012 21:50:02 #
TREBOR77 wrote:
Does anyone have any good suggestions on camera equipment insurance ?
Talk to the agent that does your home owners. They usually can write a rider policy that covers it and they are usually cheap. I have had mine insured that way for years, only had to use it once and they took care of it with no issues. I believe they call it a personal articles policy also.
Mike
Nov 27, 2012 23:08:26 #
Hoss wrote:
Talk to the agent that does your home owners. They usually can write a rider policy that covers it and they are usually cheap. I have had mine insured that way for years, only had to use it once and they took care of it with no issues. I believe they call it a personal articles policy also.
Mike
TREBOR77 wrote:
Does anyone have any good suggestions on camera equipment insurance ?
Talk to the agent that does your home owners. They usually can write a rider policy that covers it and they are usually cheap. I have had mine insured that way for years, only had to use it once and they took care of it with no issues. I believe they call it a personal articles policy also.
Mike
Ditto that idea. State Farm holds everything we have...cars, house etc. and now a policy for my camera equipment. Price is about $30 a yr. for about $3000 in equipment.
Nov 28, 2012 06:50:27 #
Nov 28, 2012 07:49:57 #
TREBOR77 wrote:
Does anyone have any good suggestions on camera equipment insurance ?
I'd look at an insurance company which specializes in photographic equipment. In my experience, from many years ago, the generic household insurance policy writers and claims agents know little of the particulars and value of specialized equipment. I'd suspect that specialists do.
Nov 28, 2012 09:12:38 #
I'm insured with State Farm for replacement value. Cost for approximately $9,000 of equipment is around $99.
Nov 28, 2012 09:35:41 #
02Nomad wrote:
I'm insured with State Farm for replacement value. Cost for approximately $9,000 of equipment is around $99.
Same here. My State Farm policy has been fine. About a hundred a year for about ten thousand in equipment. Sure gives peace of mind!
Nov 28, 2012 13:22:37 #
We have lumped camera gear in with household cover.Works for us.
Nov 28, 2012 13:52:56 #
fstop11
Loc: Huntington Beach Ca
Looks lie the cost per year is about 10% of the value of the equipment.
Nov 28, 2012 18:59:08 #
TREBOR77 wrote:
Does anyone have any good suggestions on camera equipment insurance ?
List them on your homeowners policy. They will then pay full replacement value for any loss.
Cost should be 1% of insured value per year.
You will have to provide invoices.
Nov 28, 2012 18:59:30 #
fstop11 wrote:
Looks lie the cost per year is about 10% of the value of the equipment.
No...one percent.
Nov 28, 2012 21:15:17 #
I use USAA. I provided them a list of items with serial numbers and current replacement price (eletronically). Insurance issued within 12 hours and effective immediately.
To place on Homeowner's Policy, you cannot be involved in photography for profit.
HTH
Bob
To place on Homeowner's Policy, you cannot be involved in photography for profit.
HTH
Bob
Nov 28, 2012 21:49:57 #
TREBOR77 wrote:
Does anyone have any good suggestions on camera equipment insurance ?
I understand that this company is the tops in Equipment coverage online quote link
https://www.packagechoice.com/photoform.jsp
Ian
Nov 28, 2012 22:15:58 #
TREBOR77 wrote:
Does anyone have any good suggestions on camera equipment insurance ?
I have mine insured thru my homeowners policy. I have 10K of insurance for $110.00, the coverage is for loss, damage and theft. I had to provide my receipts and serial numbers for my equipment and the coverage is for full replacement cost.
Nov 28, 2012 22:58:37 #
I pay about $35 per month for occasional business insurance that gives me liability insurance and equipment coverage for about $4000 in equipment through West Bend Insurance. As I recall they base the rate on annual income from the activity and a percentage of the equipment price. Equipment is covered for both accidental damage and theft.
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