Check out Commercial and Industrial Photography section of our forum.
Recommendations for insuring camera equipment
Nov 9, 2018 16:08:26 #
Recently purchased two new cameras and lens, I would like to insure for loss and major damage. Need help - company names and issues I should consider, etc. Thanks, Doug
Nov 9, 2018 17:13:41 #
Strodav
Loc: Houston, Tx
The first thing I would do is call your homeowners / renters insurance company and talk to them about a rider to your existing policy.
Nov 9, 2018 17:43:18 #
Check out Astronomical Photography Forum section of our forum.
Nov 9, 2018 19:38:44 #
homeowners is certainly best deal -- should be $20-30/$1000 insured; some camera losses might be covered already depending on your deductible
Nov 9, 2018 20:18:39 #
Strodav wrote:
The first thing I would do is call your homeowners / renters insurance company and talk to them about a rider to your existing policy.
Agreed. I have a $165 yearly rider on my homeowner's insurance that covers full replacement value for all camera equipment damaged/lost/stolen in the US and International. The only cavaet is it cannot have been in use for commercial photography.
Nov 9, 2018 20:24:34 #
Sounds like the best bet. I will check it out on Monday. I anticipated it would cost more. Thank you. Doug
Nov 9, 2018 23:30:42 #
I had a good set of speakers and a mixing board I used for sound with our Video system in the house. It was totally ruined during a lightning storm. Because it was considered professional the insurance company didn't pay. It surprised me because they have always treated us good. After about a dozen years of my calling they finally paid. Make sure they know the specific equipment you are insuring.
Check out Bridge Camera Show Case section of our forum.
Nov 10, 2018 00:35:50 #
Vietnam Vet wrote:
....... Make sure they know the specific equipment you are insuring.
yes -- for photography riders they usually require serial numbers of the insured iteems -- and you can update them, removing old eqpt as time goes on
ours proved useful during one year when my wife & i each dropped our cameras on 2 different mountain climbs - insurance paid quickly and no increase for the new cameras
Nov 10, 2018 05:56:21 #
Strodav wrote:
The first thing I would do is call your homeowners / renters insurance company and talk to them about a rider to your existing policy.
This is a terrible idea. They will drop you or raise your premium when you make a claim.
One of the better deals out there is from NANPA - North American Nature Photographers Association-
Here are there policy options:
https://www.randinsurance.com/services-we-offer/for-photographers/nanpa-photographers-equipment-insurance/
I would insure for replacement value, which will cost more, but in the event of a mishap, you will get almost enough to replace the gear - replacement cost minus deductible. There are others, but this is the one I will be using as soon as I finish my research.
Nov 10, 2018 06:16:46 #
Call State Farm, even if you don't have any other policies from them. Super fast payment on claims and reasonable rates. I have had them for over 10 years and they are great. Not competitive on the auto or homeowners, but great for Cameras and Guns.
Nov 10, 2018 06:25:06 #
Picture Taker
Loc: Michigan Thumb
I have Stat Farm , home and auto and put a ridder on it with my camera equipment and my laptop. Over the years have used it and no problems.
Check out Bridge Camera Show Case section of our forum.
Nov 10, 2018 06:42:40 #
I have a Rider on my Homeowners through USAA. Be prepared to spend a fair amount of time on the phone giving specifics on each item (serial number, model number, price, description/type, etc.)
Nov 10, 2018 06:58:16 #
Nov 10, 2018 07:33:01 #
nikonbug wrote:
Call State Farm, even if you don't have any other policies from them. Super fast payment on claims and reasonable rates. I have had them for over 10 years and they are great.
I agree...after submitting my list of photography equipment and value State Farm did so at a very reasonable rate...mine is less than $100.00 for equipment value approaching $9,500.00
Nov 10, 2018 07:46:06 #
Some info.
http://www.popphoto.com/how-to/2013/05/how-to-insure-your-camera-gear
http://www.the-digital-picture.com/Photography-Tips/insurance.aspx
https://www.usaa.com/inet/ent_logon/Logon?adid=icgsch49277486-VQ16-c-VQ6-71054850852
http://www.popphoto.com/how-to/2013/05/how-to-insure-your-camera-gear
http://www.the-digital-picture.com/Photography-Tips/insurance.aspx
https://www.usaa.com/inet/ent_logon/Logon?adid=icgsch49277486-VQ16-c-VQ6-71054850852
If you want to reply, then register here. Registration is free and your account is created instantly, so you can post right away.