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Need insurance on my Equipment.
Jan 17, 2017 13:49:22 #
phkowalchuk wrote:
I actually had a camera and tripod fall of a cliff... (show quote)
Nice story thanks
Jan 17, 2017 13:50:42 #
StaneeRae wrote:
When I was shooting weddings, I had coverage through this company (recommended by WPPI at the time). Both equipment coverage & liability. As mentioned above, some venues require proof of insurance in order to photograph at that location.
http://www.packagechoice.com/
http://www.packagechoice.com/
Thanks a ton very much appreciated.
Jan 17, 2017 14:13:30 #
WNC Ralf wrote:
Had to put my equipment on a rider in order to have full coverage at home or away. It even covers me dropping my camera off a cliff. I have about 15K worth of equipment and the coverage costs me about $110 per year.
I as well have a rider on my gear through State Farm for the same amount as you, for the exact same price. Covers virtually everything with no deductible.
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Jan 17, 2017 14:23:19 #
jmcgloth
Loc: Ocean Park, WA
Spiney wrote:
Read your initial post again. Look into a policy that includes liability. If a lightstand with a head or moonlight hits a person or lands on a car, your liable. If someone trips over a power cord, same thing.
When we had our studio we needed proof of insurance before we could shoot in hotel reception halls.
When we had our studio we needed proof of insurance before we could shoot in hotel reception halls.
Argg. you're liable.
Jan 17, 2017 14:24:10 #
I have all my photographic equipment and laptop covered in a scheduled rider to my Liberty Mutual Homeowner's policy. Each item is documented by a bill of sale. I can add or delete items when acquired or sold. I am not a pro, just hobbyist. I currentyl have approx. $13500 worth. My yearly premium is $130.
Mark
Mark
O2Ra wrote:
Like the title says I need insurance on my cameras, lenses, lighting etc.
Who what when where..... I shoot live music , events and action sports mostly. My equipment is in areas of use where there is a great chance of accidental damage or theft . Besides homeowners insurance can someone suggest other options. Would homeowners insurance come use in the field?
Who what when where..... I shoot live music , events and action sports mostly. My equipment is in areas of use where there is a great chance of accidental damage or theft . Besides homeowners insurance can someone suggest other options. Would homeowners insurance come use in the field?
Jan 17, 2017 16:51:44 #
I am with State Farm and my homeowners will not cover my photo equipment since I have it about maxed out on other things. State Farm has a "Personal Articles" policy that I purchased. The cost is based on the dollar value of the equipment and it is complete coverage. I pay about $240/yr for $15K worth of equipment. They have two options and I chose the slightly more expensive one for professional use. I have not sold a picture yet but I might. If I knock the camera into the lake, it's covered at replacement cost. Now, the cost of the camera has dropped since I bought it, but that's OK. I can choose to upgrade if I want to.
Jan 17, 2017 17:05:34 #
Yes, home owners insurance is a great way to insure your gear.Last year my gear was stolen. I submitted a claim to my homeowners insurance (Hartford) for $2400 less $500 detuctible. They sent me a check for $2100. I was very happy I had that insurance.
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Jan 17, 2017 17:07:29 #
I carry photographic equipment insurance as a separate rider to my State Farm Home and Non driver auto insurance and Umbrella insurance. I doubt you could get separate photo insurance unless you have other policies with a major company. I pay about 1.5% of the value of the items per year. None of my photo activities are commercial.
Photodoc16
Photodoc16
Jan 17, 2017 18:29:27 #
I really appreciate everyone's replies. And now I have an idea of what to say or ask for when I go to talk to my insurance agent. Thank you all so much.
Jan 17, 2017 19:44:02 #
Interesting. I just contacted my State Farm Agent today to cover my new camera and lenses, total cost about $2400. My Home Owners' policy has a $2000 deductible, so for the Personal Effects policy the premium is $60/year. Non-commercial use only. (They asked if I were a professional, which I am not.
Jan 17, 2017 20:40:24 #
O2Ra wrote:
Like the title says I need insurance on my cameras, lenses, lighting etc.
Who what when where..... I shoot live music , events and action sports mostly. My equipment is in areas of use where there is a great chance of accidental damage or theft . Besides homeowners insurance can someone suggest other options. Would homeowners insurance come use in the field?
Who what when where..... I shoot live music , events and action sports mostly. My equipment is in areas of use where there is a great chance of accidental damage or theft . Besides homeowners insurance can someone suggest other options. Would homeowners insurance come use in the field?
Liberty Mutual offered to cover my cameras if I insisted on listing them but pointed out that my renter's insurance already does. That might change if you are a commercial photographer.
Jan 17, 2017 22:11:29 #
O2Ra wrote:
Then apparently I'm not asking you.
This is a photography forum that photographers give suggestions to.
Apparently your not a photographer either. Go away with the negative .
This is a photography forum that photographers give suggestions to.
Apparently your not a photographer either. Go away with the negative .
Jan 17, 2017 23:06:46 #
Hello Bike Guy,
It sounds like after about 6.5 years you will be losing money if you have to claim a total loss of your gear. I may be off a bit but I think I am right. I think you should buy a lot more gear to make this policy really worthwhile.
Photodoc16
It sounds like after about 6.5 years you will be losing money if you have to claim a total loss of your gear. I may be off a bit but I think I am right. I think you should buy a lot more gear to make this policy really worthwhile.
Photodoc16
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