Photo equipment insurance
Feb 25, 2019 19:04:38 #
I have Liberty Mutual. So far, no claims and no losses or thefts. I'm lucky but very careful.
Feb 25, 2019 19:05:12 #
DavidPine
Loc: Fredericksburg, TX
G. Crook wrote:
Question. How do you insure your camera gear and computers? As a rider on your homeowners policy or as an entirely separate policy? How do you identify your individual items. With photographs and serial numbers or.....? Thanks in advance.
Call your homeowners insurance agent. Get 100%- zero deductible - loss, damage, theft. You'll be happier and stuff does happen.
Feb 25, 2019 20:21:27 #
G. Crook wrote:
Question. How do you insure your camera gear and computers? As a rider on your homeowners policy or as an entirely separate policy? How do you identify your individual items. With photographs and serial numbers or.....? Thanks in advance.
Some homeowners' policies include your gear as long as it's included in your statement of value. Check with your insurer.
Some people prefer to have a separate policy or rider.
Feb 25, 2019 20:41:02 #
speters wrote:
I do not have any insurance!
It's nice to be independently wealthy!
Feb 25, 2019 20:45:50 #
Jimmy T wrote:
Gene, br I don't mean to step on the good advice t... (show quote)
That's really good to know! I'd say that people who advocate for using homeowner's policies believe they are probably C.L.U.E.-less. Or probably don't have a clue about C.L.U.E.
Feb 26, 2019 00:48:22 #
Please don't be facetious. This is a learning forum. Perhaps others will increase their policy to better protect themselves. I thought I was covered but now I will closer at my policy. Thanks for the edumacation! LOL
Feb 26, 2019 01:16:20 #
Gene51 wrote:
It's nice to be independently wealthy!
I do not have any insurance of any kind ( and no, I'm not wealthy, the opposite)! I can not afford any!
Feb 26, 2019 03:05:55 #
Timmers
Loc: San Antonio Texas.
If you are looking for insurance values, the insurance companies use KEH to determine real value as replacement cost.
If you have USAA as your carrier they are the best insurance company hands down.
The numbers on camera gear are a joke. You need to mark the inside of the body and lens using your social security number because the police can track and recognize that number to try to return your gear.
Now, the exception to the above rule. ANYTHING from E. Leitz (Leica). Leitz hold the history of each and every item they manufacture. You must register the ownership of any item with E. Leitz, once registered it is your forever. Only a notarized bill of sales will over ride this. If any item is stolen and is found/recovered it will be returned to the listed owner regardless of time frame.
All items stolen follow this general rule, east coast goes to the mid western states, mid western states go to the west coast and west coast items are shipped to the east coast for disposal. Top plate and engraved lens numbers are useless as whole shipments of these numbers are made, not traced and are often high jacked as entire shipments. So engrave your lenses and body and other parts with your Social Security number so the police can return the stolen items if recovered.
If you have USAA as your carrier they are the best insurance company hands down.
The numbers on camera gear are a joke. You need to mark the inside of the body and lens using your social security number because the police can track and recognize that number to try to return your gear.
Now, the exception to the above rule. ANYTHING from E. Leitz (Leica). Leitz hold the history of each and every item they manufacture. You must register the ownership of any item with E. Leitz, once registered it is your forever. Only a notarized bill of sales will over ride this. If any item is stolen and is found/recovered it will be returned to the listed owner regardless of time frame.
All items stolen follow this general rule, east coast goes to the mid western states, mid western states go to the west coast and west coast items are shipped to the east coast for disposal. Top plate and engraved lens numbers are useless as whole shipments of these numbers are made, not traced and are often high jacked as entire shipments. So engrave your lenses and body and other parts with your Social Security number so the police can return the stolen items if recovered.
Feb 26, 2019 03:16:59 #
johntaylor333 wrote:
I have my homeowners with Erie and all my camera equipment is separately listed and insured for all risks (no deductible) for 1% per year. Covers loss, theft, accidental damage, etc.
Erie insurance was great when I lived in Tennessee. They covered my equipment too.
Having moved to Michigan I found out they don't cover here so another company was called on.
Feb 26, 2019 09:12:47 #
Picture Taker
Loc: Michigan Thumb
GENorkus,
I live just up the road from you and had great luck with Steve Robins, State Farm in Imlay City.
PS If you want Come and join us at the Seven Ponds Photo Club, Friday at 7:00 PM. A good group from point a shoot to PRO'S. All together no I'm better groups. We are a teaching group and have members from 50 + miles away. Look us up and come on down.
I live just up the road from you and had great luck with Steve Robins, State Farm in Imlay City.
PS If you want Come and join us at the Seven Ponds Photo Club, Friday at 7:00 PM. A good group from point a shoot to PRO'S. All together no I'm better groups. We are a teaching group and have members from 50 + miles away. Look us up and come on down.
Feb 26, 2019 09:40:37 #
https://protechdna.com/freednakit
Not all police depts. use this function, NYC is now in discussions for this item. Even if you just get the marking pen, something is better than nothing.
Not all police depts. use this function, NYC is now in discussions for this item. Even if you just get the marking pen, something is better than nothing.
Feb 26, 2019 09:46:19 #
Feb 28, 2019 20:01:46 #
G. Crook wrote:
Question. How do you insure your camera gear and computers? As a rider on your homeowners policy or as an entirely separate policy? How do you identify your individual items. With photographs and serial numbers or.....? Thanks in advance.
Great place is your homeowners insurance. I schedule mine for full current value, $0 deductible. Furnish to the insurance co receipts and serial numbers as evidence of value when insuring. Open peril coverage covers just about everything except wear and tear.
Mar 5, 2019 07:37:18 #
Dun1
Loc: Atlanta, GA
At one time I had a membership to the PPA, and one reason I joined was the insurance coverage they provided. Their insurance coverage is provided by a third party insurance company. I submitted a claim, the claim was denied in less than five minutes. There are specific companies that provide tailored coverage for photo equipment, one provider that I see mentioned is Hisock Insurance.
Mar 5, 2019 10:11:18 #
Dun1 wrote:
At one time I had a membership to the PPA, and one reason I joined was the insurance coverage they provided. Their insurance coverage is provided by a third party insurance company. I submitted a claim, the claim was denied in less than five minutes. There are specific companies that provide tailored coverage for photo equipment, one provider that I see mentioned is Hisock Insurance.
https://www.statefarm.com/insurance/home-and-property/personal-articles-policy
I pay $259 for $19000.00 coverage. I have used this policy twice and it has paid for itself for years already. Just called and told them what and how it happened and bingo, check inn the mail ASAP. Maybe it took around a week and a half, fast enough for me.
StateFarm PAP works for me.... I live in Brooklyn, NY.
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