gvarner Loc: Central Oregon Coast

I'm covered through State Farm where I have all my insurance. It's a personal property policy, reasonable price for non-professionals. Covers replacement for loss, repair cost, no deductible, no depreciation. Any and all accessories you want to include, even printers and computers. They don't cover major appliances. A simple email can add or delete gear. I didn't have a value on a film SLR and lens and the agent looked it up on eBay. Check it out. I suspect most major insurers do the same.

peterg Loc: Santa Rosa, CA

Same. With USAA, I can add/delete/change gear on-line. Premium is adjusted automatically and immediately. Your insurance company may have a similar feature.

mizzee Loc: Boston,Ma

Like others noted, call your insurance agent and add a rider to your homeowners.
That's what I did.

billnikon Loc: Pennsylvania/Ohio/Florida/Maui/Oregon/Vermont

I will not disclose my holdings, but, I had professional High Risk camera insurance during my pro years. I am now retired, own more than I did when I was a pro and ALL of my equipment is covered by my home owners insurance. NO LIMIT.

markngolf Loc: Bridgewater, NJ

This has been covered on UHH many, many times. Here are some articles. http://www.uglyhedgehog.com/search-topic-list?q=camera+insurance&sectnum=0&username=
I use Liberty Mutual and have a schedule/rider on my home policy.
Mark

Brent Rowlett Loc: Atlanta, GA

One thing you will find out is that most companies that offer good coverage will cover replacement costs; others depreciated cost, and since old equipment is worth very little on the used market, your recovery will be minimal. They will not replace a 5D with a 5D-MKIV. But good luck to you...hope you do not have to find that out the hard way.

dougbev3 Loc: Pueblo, Colorado

Where do you find serial numbers on Nikon cameras and lens, flash, filters,,, all of that good stuff???

markngolf Loc: Bridgewater, NJ

From a Google search:
https://www.nikonimgsupport.com/na/NSG_article?articleNo=000025826&configured=1&lang=en_SG
Mark

xt2 Loc: British Columbia, Canada

Place it under your home insurance policy, it is cheaper that way.

billnikon Loc: Pennsylvania/Ohio/Florida/Maui/Oregon/Vermont

My equipment is sold once a new model comes out. My lenses are still in production. If an item is lost it is replaced by my insurance company. I have had this happen and the insurance company came through.
At least my insurance company did. I searched on line until I found the right insurance and insurance company that offered the correct camera insurance I needed. I hope you do not find out the hard way.

Brent Rowlett Loc: Atlanta, GA

Looks like you are good. I no longer carry insurance; keep all my equipment locked up in a safe. If I have a loss, I will just write it off and upgrade to the newer model if I still need it.

USAA is one of the finest and most respected insurance companies in the industry. It is always good to inquire about how much a home owners policy will insure and under what conditions. Many do not. When I supplied an inventory it was too much for them to insure under a home owners policy. They required special insurance. I may get away with a camera and lens loss under my homeowner's policy, but several camera bodies and lenses?--don't think so.

Ditto for my wife's diamond ring. It required a special insurance policy due to the value. I would advise that everyone check with their agents and not assume their homeowners policy covers everything with no limit. There are limits, and receipts, date of purchase, and serial numbers are required. Antique cameras require an appraisal. Insurance companies are no dummies.

twillsol Loc: St. Louis, MO

I have a rider on my State Farm home owners policy. It is $1.00 / month / Thousand.

Complete replacement.

billnikon Loc: Pennsylvania/Ohio/Florida/Maui/Oregon/Vermont

[quote=Brent Rowlett]Looks like you are good. I no longer carry insurance; keep all my equipment locked up in a safe. If I have a loss, I will just write it off and upgrade to the newer model if I still need it.

USAA is one of the finest and most respected insurance companies in the industry. It is always good to inquire about how much a home owners policy will insure and under what conditions. Many do not. When I supplied an inventory it was too much for them to insure under a home owners policy. They required special insurance. I may get away with a camera and lens loss under my homeowner's policy, but several camera bodies and lenses?--don't think so.

Ditto for my wife's diamond ring. It required a special insurance policy due to the value. I would advise that everyone check with their agents and not assume their homeowners policy covers everything with no limit. There are limits, and receipts, date of purchase, and serial numbers are required. Antique cameras require an appraisal. Insurance companies are no dummies.[/quote
Be careful with the safe, moisture can build up quickly. Put several moisture eaters in there.

jackinkc Loc: Kansas City

I use State Farm. Excellent.

bpulv Loc: Buena Park, CA

Note that your homeowners insurance policy already protects your cameras in the same way it protects any other item in your home, however when you take your camera out of your home you need specific coverage for your cameras.

Most insurance companies will sell you an all risk floater for camera equipment on your homeowner's insurance policy. It is very similar to the floater you probably have that covers your jewelry. When you add the floater to your policy, you will be required to provide the insurance company with the serial numbers of your equipment. In addition to the listed equipment, most policies provide protection for some of your smaller items up to a limit of a few hundred dollars. If you buy new equipment that you want to list, you provide the insurance company with the serial numbers and documentation to show it was legally acquired. The additional premium is very low. I pay Farmers Insurance about $35-$40 a year for $10,000 of coverage.