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Photo insurance
Jun 23, 2022 11:26:25   #
farwest Loc: Utah
 
Wondering what type of insurance to get for my photo equipment. I shoot lots of sporting events and I have had a couple of experiences of close calls one being a football running back that was tackled and nearly step on my Nikon with 300mm attached. Does the cost warrant having it or do you just take your chances and hope all goes well.

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Jun 23, 2022 11:35:12   #
stevefrankel
 
If you're not a "professional," a Valuable Personal Property policy provides all-risk coverage from a company such as USAA for about 1% of the replacement cost every year. This is the best deal of which I'm aware. When my wife's Sony RX-7 was stolen in St. Petersburg, we had the insurance payoff before we reached home.

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Jun 23, 2022 12:15:15   #
whatdat Loc: Del Valle, Tx.
 
farwest wrote:
Wondering what type of insurance to get for my photo equipment. I shoot lots of sporting events and I have had a couple of experiences of close calls one being a football running back that was tackled and nearly step on my Nikon with 300mm attached. Does the cost warrant having it or do you just take your chances and hope all goes well.


USAA, a good suggestion. I have the same camera & computer protection with State Farm Ins. Called a personal property policy. Have used it once on a Nikon repair job after dropping a camera.

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Jun 23, 2022 12:40:25   #
twowindsbear
 
farwest wrote:
Wondering what type of insurance to get for my photo equipment. I shoot lots of sporting events and I have had a couple of experiences of close calls one being a football running back that was tackled and nearly step on my Nikon with 300mm attached. Does the cost warrant having it or do you just take your chances and hope all goes well.


Rather than worrying about the few to several $100s to replace that lens. . . consider the millions & MILLIONS of $$$$ you'll be liable for because you ALLOWED your camera to send the footballer's promising NFL career up in smoke.

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Jun 23, 2022 15:47:41   #
Just Shoot Me Loc: Ithaca, NY
 
Talk to your insurance agent who holds your homeowners policy. They will insure your equipment for very little money by putting a rider on your policy. Question them and make sure it is the coverage that you want.
Ron

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Jun 23, 2022 19:46:43   #
farwest Loc: Utah
 
Just Shoot Me wrote:
Talk to your insurance agent who holds your homeowners policy. They will insure your equipment for very little money by putting a rider on your policy. Question them and make sure it is the coverage that you want.
Ron


I will give that a try. Last time I tried with The Hartford It was way complicated doing it online. Maybe I can get a agent.

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Jun 24, 2022 01:45:11   #
SteveR Loc: Dallas
 
I have State Farm protecting my equipment. It's great for new equipment, especially. I still have my D7000 on the list. One good thing, though, is that they will pay off at new price rather than depreciated price. There are a few pieces, like the D7000, that I need to remove from the list. I've been paying about $60/yr.

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Jun 24, 2022 07:34:38   #
sb Loc: Florida's East Coast
 
Check out organizations such as NANPA, which offer insurance. I used to have a rider with State Farm which was very reasonable. USAA, if you qualify, is also reasonable. All of the major insurance companies pulled out of Florida, and the ones that we are left with are NOT friendly about riders. My insurance company would offer me a rider for $500 per year with a large deductible, so I did not take it... I am a hobbyist photographer and just don't often take my gear into high-risk situations.

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Jun 24, 2022 08:06:45   #
ecobin Loc: Paoli, PA
 
I have a separate policy for my equipment which costs $100/yr through State Farm. I had to send them photos of the receipts for each item I wanted to insure. Check with your agent to find out what they have available and the terms/conditions.

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Jun 24, 2022 09:04:26   #
GLSmith Loc: Tampa, Fl
 
All of my equipment is covered under existing home owners policy. Several years ago, I was in a kayak that flipped, Nikon D500, Nikon 24-70, battery, SD Card all ruined, contacted the insurance company that had all the serial numbers...sent me a check

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Jun 24, 2022 09:23:09   #
gvarner Loc: Central Oregon Coast
 
I’m an amateur and I have a personal property policy from State Farm. Low cost.

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Jun 24, 2022 15:21:10   #
cambriaman Loc: Central CA Coast
 
My Farmers household policy includes adequate coverage and they have an extra rider policy that can raise the coverage value if you have a lot of value to cover. It was more economical that a dedicate equipment policy the last time I checked.Iy is for non-professionals only, however.

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Jun 24, 2022 20:09:10   #
Indiana Loc: Huntington, Indiana
 
You can get a "rider" from your home owners insurance company and schedule your equipment for specific coverage from theft, loss, or damage. I have my coverage with Auto Owners Insurance Company (home owners policy). Have had it for many years.

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Jun 24, 2022 21:32:00   #
billnikon Loc: Pennsylvania/Ohio/Florida/Maui/Oregon/Vermont
 
farwest wrote:
Wondering what type of insurance to get for my photo equipment. I shoot lots of sporting events and I have had a couple of experiences of close calls one being a football running back that was tackled and nearly step on my Nikon with 300mm attached. Does the cost warrant having it or do you just take your chances and hope all goes well.


I have a SEPERATE insurance coverage on my photography equipment through my car and home insurance company. They have a complete list of my equipment including replacement cost and serial number.
It is NOT a rider on my home owners insurance. It is a separate policy that only covers my equipment. And yes, it is worth every penny.

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