troutbum Loc: north central pennsylvania

Just curious does everyone cover your gear gear with a specialized insurance or just through your home owners policy?

Cdouthitt Loc: Traverse City, MI

Mine is through my home owners (AAA) as a separate rider for my gear. I had my gear appraised several years ago, and I feed updates to my agent yearly (due to buying and selling lenses). Speaking of which I need to update it.

Screamin Scott Loc: Marshfield Wi, Baltimore Md, now Dallas Ga

If you have high end gear or make any money from it, then a rider on your homeowners won't work. Get an "Inland Marine" policy to cover your gear...Shop around for the best deal...

Pepper Loc: Planet Earth Country USA

I'd recommend a rider, if you use your homeowners policy you'll have your deductible to pay so you may wind up with very limited coverage depending on your deductible. Not to mention the rider is pretty inexpensive if you're just a hobbiest.

troutbum Loc: north central pennsylvania

OK tnx we have allstate I will check with them. Good fay

Screamin Scott Loc: Marshfield Wi, Baltimore Md, now Dallas Ga

If you are just an amateur, make sure you also have a "replacement cost contents" endorsement so you aren't hit with the depreciation on your gear over time.... (I used to be an Insurance company underwriter)

troutbum Loc: north central pennsylvania

Very gud point and yes most diffently an amateur. Don't see myself making any money from this,just another expensive hobby. Hi Hi

Vladimir200 Loc: Beaumont, Ca.

I have a safe in my closet that is not bolted to the floor/cement slab but the safe (cost me $750 eight years ago) is so heavy, no mortal would even think about trying to remove it from the house. Anyhow, I put my camera and lenses in the safe plus some valuable papers, etc. My wife was really angry when I bought it but I told her it was a "guy" thing and I really wanted it and the good news is that she "doesn't have to use it" I told her. Well, I'm sure you know the rest of the story goes. She puts her jewelry in the safe.

Dadu10 Loc: Atlanta, GA

I have it through a rider in my home owner's policy(allstate). In fact last year my gear got stolen from a hotel room in Atlantic City, NJ. My policy paid my total replacement cost (approx. $9K)

LFingar Loc: Claverack, NY

There are several different options when it comes to gear insurance. The one I have is defined as "All Risk" as well as full replacement. In short, anything that happens to my gear, any place in the world, is fully covered for repair or replacement. I designate the value of each item, with receipts or references, and pay a premium based on total value. If my $1799 7DII gets stepped on by Big Foot in 6 months I get paid $1799, even if the price has gone down on the camera. (I won't get paid for my lost millions for the BIG Foot photos though!) Have a talk with an agent who is familiar with these policies and read the fine print. Not every agent really understands this type of policy.

nicksr1125 Loc: Mesa, AZ

Mine is a rider on my renter's policy with USAA. It costs me about $40.00/year to cover full replacement value. If you or anyone you know is an honorably discharged veteran, USAA is now open to them. Best insurance/banking option in the world.

Frapha Loc: Tulsa, Oklahoma

Speaking from point of view of an Insurance professional with 43+ years in the industry, It's automatically covered under your Homeowners Policy (or renters policy), subject to whatever deductible you have on your homeowners policy. It's covered for theft from the premises or away from premises, fire, vandalism, etc. However, if you drop it or knock it off the table, the Homeowners policy will NOT provide coverage.

For that, you need a "camera floater" or "personal articles floater" (also referred to as Inland Marine Coverage) and they are cheap (assuming you're not earning income from your photography), -- talk with your homeowners agent. If you're a professional (income producing with camera), you can still get the coverage, it's just a little more expensive but still affordable considering the option of having nothing when your equipment is damaged.

NOTE: Earning income does not mean “making a profit” – It’s very simple – either you sell photos or services, or you don’t – it’s not about "profit".

You’re much better off with a separate policy, rather than attaching this coverage to your homeowners coverage for a couple reasons. First, if attached to your homeowners insurance, you’ll generally have a much higher deductible. Second, if attached to your homeowners insurance and you happen to have a theft claim on your camera equipment, it could result in a surcharge on your entire homeowners premium -- this varies by company. By having on a separate policy, you can get a much lower deductible and avoid any potential surcharges on your homeowners policy if you have claim activity. In addition, the separate "Inland Marine" policy provides a much broader form of coverage that you get under your homeowners policy. Rates vary widely from state to state.

And as with most commodities, Homeowners policies vary in coverage and from from state to state and company to company. Check with the agent who writes your homeowners insurance about a separate policy. Your homeowners company/agent undoubtedly has ability to provide a separate policy covering your camera equipment with broader coverage (and cheaper) than the homeowners policy, and with much lower deductible (or no deductible). No need to find a different company unless you just don't like the company you already have.

Best advice is to always check with your agent to be sure you know what’s covered, how it’s covered and with what deductible. Make an informed decision …… don’t just assume something to be covered or not covered.

SharpShooter Loc: NorCal

Bum, on your std Allstate policy I think you are already covered up to 10% of the policies coverage for off premises loss. But you ARE subject to the deductible. As long as you're not doing commercial stuff it may be all you need immediatly. But I would certainly look into the full coverage replacement riders. Good luck. ;-)
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troutbum Loc: north central pennsylvania

Tnx fer the input everyone

heyjoe Loc: cincinnati ohio

yes with homeowner,also listed my laptop,it holds my photos and pp programs