Camera Insurance: Greetings fellow Hoggers. I have had my camera gear, about 12,000 insured through State Farm for the last several years and when I opened my renewal statement my jaw...

Jakebrake Loc: Broomfield, Colorado

Greetings fellow Hoggers.

I have had my camera gear, about 12,000 insured through State Farm for the last several years and when I opened my renewal statement my jaw hit the floor. My premium went up $81.00 annually. Is there a more reasonable option I'm unaware of out there, or should I just bite the bullet and renew? I guess State Farm is gouging me to pay for hail storms and hurricanes. Sheesh!

rmalarz Loc: Tempe, Arizona

That's essentially $6.75 per month. Is that for replacement cost, or with a deductible?
--Bob

Jakebrake wrote:

Greetings fellow Hoggers.

I have had my camera gear, about 12,000 insured through State Farm for the last several years and when I opened my renewal statement my jaw hit the floor. My premium went up $81.00 annually. Is there a more reasonable option I'm unaware of out there, or should I just bite the bullet and renew? I guess State Farm is gouging me to pay for hail storms and hurricanes. Sheesh!

DaveO Loc: Northeast CT

rmalarz wrote:

That's essentially $6.75 per month. Is that for replacement cost, or with a deductible?
--Bob

He said that it increased by that amount. The total premium would be interesting.

orrie smith Loc: Kansas

Jakebrake wrote:

Greetings fellow Hoggers.

I have had my camera gear, about 12,000 insured through State Farm for the last several years and when I opened my renewal statement my jaw hit the floor. My premium went up $81.00 annually. Is there a more reasonable option I'm unaware of out there, or should I just bite the bullet and renew? I guess State Farm is gouging me to pay for hail storms and hurricanes. Sheesh!

Check with your home owners policy. It usually has an option to cover losses to personal property.

rmalarz Loc: Tempe, Arizona

Sorry, Dave. I misread your post. I thought there were some photo specialty insurance companies out there. Might be time for google.
--Bob

DaveO wrote:

He said that it increased by that amount. The total premium would be interesting.

ricardo7 Loc: Washington, DC - Santiago, Chile

orrie smith wrote:

Check with your home owners policy. It usually has an option to cover losses to personal property.

Often with a high deductible.

DaveO Loc: Northeast CT

ricardo7 wrote:

Often with a high deductible.

Mine is through my AMICA homeowner policy with no deductible.

PixelStan77 Loc: Vermont/Chicago

DaveO wrote:

Mine is through my AMICA homeowner policy with no deductible.

AMICA is a great company. They were super when we had a house fire.

DaveO Loc: Northeast CT

PixelStan77 wrote:

AMICA is a great company. They were super when we had a house fire.

I have been with them for 35 years and can attest to their service.

nicksr1125 Loc: Mesa, AZ

If you were a Marine as your avatar implies, you're eligible to join USAA. They offer a Valuable Personal Property policy that is very reasonable. Here in Ohio, State Farm is usually referred to as Snake Farm for a very good reason.

srherrmann Loc: Baton Rouge, Louisiana

I added 15,000 to cover my equipment with State Farm and my premium went up $400/year.

Jakebrake Loc: Broomfield, Colorado

srherrmann wrote:

I added 15,000 to cover my equipment with State Farm and my premium went up $400/year.

Yes, my premium for years was $125 with no deductible, drops, spills, loss or theft. My new premium is $205. I am going to look into USAA tomorrow, as well as others.

Jakebrake Loc: Broomfield, Colorado

orrie smith wrote:

Check with your home owners policy. It usually has an option to cover losses to personal property.

It was through my home owners policy as a personal property rider.

jerryc41 Loc: Catskill Mts of NY

Jakebrake wrote:

Greetings fellow Hoggers.

I have had my camera gear, about 12,000 insured through State Farm for the last several years and when I opened my renewal statement my jaw hit the floor. My premium went up $81.00 annually. Is there a more reasonable option I'm unaware of out there, or should I just bite the bullet and renew? I guess State Farm is gouging me to pay for hail storms and hurricanes. Sheesh!

Here's what I have on insurance.

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

sodapop Loc: Bel Air, MD

Highly recommend USAA. Available to all veterans. Very reasonable camera and equipment coverage attached to home owners policy. And their Auto insurance is good as well

nicksr1125 wrote:

If you were a Marine as your avatar implies, you're eligible to join USAA. They offer a Valuable Personal Property policy that is very reasonable. Here in Ohio, State Farm is usually referred to as Snake Farm for a very good reason.