"Dropping" Insurance
Aug 10, 2012 15:53:20 #
Someone just posted about needing a repair after dropping his camera. Do any of you have insurance that covers dropping?
Aug 10, 2012 16:01:39 #
Aug 10, 2012 16:03:44 #
gmcase wrote:
Yes, it is called "self insured". :lol:
Is it expensive? :D
Aug 10, 2012 16:07:35 #
jerryc41 wrote:
Is it expensive? :D
gmcase wrote:
Yes, it is called "self insured". :lol:
Is it expensive? :D
It costs exactly the same as the cost of replacement/repair of the equipment damaged. Odd coincidence huh?
:lol:
Aug 10, 2012 16:39:39 #
gmcase wrote:
It costs exactly the same as the cost of replacement/repair of the equipment damaged. Odd coincidence huh?
:lol:
jerryc41 wrote:
Is it expensive? :D
gmcase wrote:
Yes, it is called "self insured". :lol:
Is it expensive? :D
It costs exactly the same as the cost of replacement/repair of the equipment damaged. Odd coincidence huh?
:lol:
I'll have to look into that.
:D
Aug 10, 2012 17:14:09 #
My 5D-11 came with one year full insurance but after that I won't have it. Just have to be carfull.
Aug 10, 2012 21:25:04 #
Jerry, I think he was kidding you. Self insured means you pay for everything. :) I have a rider on my home insurance that covers everything. Theft, fire, damage. Full replacement or fixed. If you are not a pro it is very cheap. It runs me around $50 a year. I have around $40,000 in gear covered now. That is all my old bodies and lenses too.
Erv
Erv
Aug 10, 2012 21:31:27 #
Aug 10, 2012 21:46:31 #
Acountry330 wrote:
Erv, I think Jerry picked up on what was being said. I hope!
Yes, I certainly did. "Self-insured" was the clue. I was just playing along there. :D
Aug 10, 2012 22:01:09 #
Erv wrote:
Jerry, I think he was kidding you. Self insured means you pay for everything. :) I have a rider on my home insurance that covers everything. Theft, fire, damage. Full replacement or fixed. If you are not a pro it is very cheap. It runs me around $50 a year. I have around $40,000 in gear covered now. That is all my old bodies and lenses too.
Erv
Erv
Erv, I need a contact with who you have insurance with. $40,000 for $50? I'm well below 40k in gear and well above $50 for non pro coverage. Additional info would be nice.
My homeowners rider is about $1 per $1000 of equip per year. So IF I had $40,000 of equip it would be about $400 per year.
Aug 10, 2012 22:08:04 #
Hi Mike. I am in good hands. :) Allstate. I have every thing through them though. 2 houses,4 cars, a camper, all my tools I carry in the truck( about 18,000 worth) and all my camera gear. And I have been with them for a long time. Every 2 years I shop around for better prices. If I find one they match or beat it. Same folks for the whole time I have been with them.
Erv
Forgot to add, that is full coverage on every thing too.
Erv
Forgot to add, that is full coverage on every thing too.
TNmike wrote:
quote=Erv Jerry, I think he was kidding you. Self... (show quote)
Aug 10, 2012 22:09:43 #
jerryc41 wrote:
Is it expensive? :D
gmcase wrote:
Yes, it is called "self insured". :lol:
Is it expensive? :D
Only if you drop it!
Aug 10, 2012 22:14:52 #
Erv wrote:
Hi Mike. I am in good hands. :) Allstate. I have e... (show quote)
Erv, that is great! If I could only find those rates here! And I can only dream of 40k worth of photo equip!! Mike
Aug 10, 2012 22:34:15 #
jerryc41 wrote:
Someone just posted about needing a repair after dropping his camera. Do any of you have insurance that covers dropping?
Never carried any insurance for my amateur gear, but if I were a pro and had a significant investment, it would be foolish not to.
Dropped my Canon 50D twice now. Suffered a few cosmetic scratches, but no permanent damage. The 50D has a pretty solid build.
Aug 10, 2012 22:44:59 #
francesca3
Loc: Sausalito, CA
I you insure with your homeowner's policy be sure to make a record of the valuables in your home. Recipts and photos of the items, specifically. They don't usually tell you that you need to do that. (Otherwise, people could claim things that never existed.)
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