Camera insurance: Im looking for camera insurance. One company quoted $589. a year . Thats crazy. another wouldnt go over $3000. which doesnt help much with a 6k camera and 2k lense. i...

bdk Loc: Sanibel Fl.

Im looking for camera insurance. One company quoted $589. a year . Thats crazy.
another wouldnt go over $3000. which doesnt help much with a 6k camera and 2k lense.

i dont want to go with a home owners rider. Here in Fla insurance companies will drop you for any little claim.

so what are you using, how much and how was filing a claim.

PAR4DCR Loc: A Sunny Place

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CliffMcKenzie Loc: Lake Athens Texas

I have Allstate for about $20k, all based on receipts. Annual cost is around $300 with a $250 deductible, based on memory.

Blurryeyed Loc: NC Mountains.

bdk wrote:

Im looking for camera insurance. One company quoted $589. a year . Thats crazy.
another wouldnt go over $3000. which doesnt help much with a 6k camera and 2k lense.

i dont want to go with a home owners rider. Here in Fla insurance companies will drop you for any little claim.

so what are you using, how much and how was filing a claim.

I tried to put a rider on my homeowners and the insurance company would not do it.

DaveO Loc: Northeast CT

My home-owners insurance company, AMICA, charges me just over $100 for 18,000 and no deductible. Purchase receipts required. I have had two claims in the past five years totaling $2,700 and received checks within five days of submitting repair estimates.

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

bdk wrote:

Im looking for camera insurance. One company quoted $589. a year . Thats crazy.
another wouldnt go over $3000. which doesnt help much with a 6k camera and 2k lense.

i dont want to go with a home owners rider. Here in Fla insurance companies will drop you for any little claim.

so what are you using, how much and how was filing a claim.

I have a separate policy with my regular insurer. But you are in Florida so you are screwed.
I do mine through All State, they have a copy of my receipts that show serial numbers and when it was bought.
They will replace any item stolen or lost at current replacement costs. Yes, it is more expensive that a rider but it covers my equipment better. And I have a lot more than you do and do not pay anything close to what you were quoted.

cedymock Loc: Irmo, South Carolina

bdk wrote:

Im looking for camera insurance. One company quoted $589. a year . Thats crazy.
another wouldnt go over $3000. which doesnt help much with a 6k camera and 2k lense.

i dont want to go with a home owners rider. Here in Fla insurance companies will drop you for any little claim.

so what are you using, how much and how was filing a claim.

Try to find a personal property policy.
State Farm has a personal property policy I use, sure other companies have something similar.

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

cedymock wrote:

Try to find a personal property policy.
State Farm has a personal property policy I use, sure other companies have something similar.

The OP problem is that he lives in Florida. All the major insurance companies have left Florida including State Farm.

Dwiggy Loc: Dunedin, FL

billnikon wrote:

The OP problem is that he lives in Florida. All the major insurance companies have left Florida including State Farm.

Yes, a lot of lesser known companies have left Florida for various reasons. However, it is NOT TRUE that State Farm has left Florida. You can get a State Farm Homeowners policy in Florida. You have to do research!

Blaster34 Loc: Florida Treasure Coast

bdk wrote:

Im looking for camera insurance. One company quoted $589. a year . Thats crazy.
another wouldnt go over $3000. which doesnt help much with a 6k camera and 2k lense.

i dont want to go with a home owners rider. Here in Fla insurance companies will drop you for any little claim.

so what are you using, how much and how was filing a claim.

I added it to my USAA personal insurance (VPP, Valuable Personal Property) for about $70/year, cover's wife's jewelry, my weapons and cameras, etc, all valued at ~$12,000....I consider this money well spent AND I live in Florida.

However I have photographed each and every item for documentary purposes, if a claim is needed.

Blaster34 Loc: Florida Treasure Coast

billnikon wrote:

The OP problem is that he lives in Florida. All the major insurance companies have left Florida including State Farm.

USAA, the nation's 5th largest is insuring in Florida....along with State Farm, Progressive.

gvarner Loc: Central Oregon Coast

My personal property policy with State Farm isn’t a rider, it’s a separate policy. Cheap if you’re an amateur.

47greyfox Loc: on the edge of the Colorado front range

I have a no deductible personal property policy thru State Farm with a $199 annual premium for about $14K of equipment. Four or five years ago, I had a claim for about $400. I called SF and they sent me a check, no questions or proof asked.

gvarner Loc: Central Oregon Coast

47greyfox wrote:

I have a no deductible personal property policy thru State Farm with a $199 annual premium for about $14K of equipment. Four or five years ago, I had a claim for about $400. I called SF and they sent me a check, no questions or proof asked.

And no depreciation either. I have the same thing but haven’t had to make a claim. Didn’t have a receipt for my film SLR so the agent looked it up on eBay and used that as the value.

Desert Gecko Loc: desert southwest, USA

I too had State Farm's personal articles policy, along with homeowner's and auto. It's a separate policy from homeowner's. After a $400 repair claim for a dropped camera and an $800 claim for a stolen one a couple of years later, State Farm canceled my policy. This, despite no other claims ever on any of my policies. I'd tell 'em to go to hell but State Farm offers by far the best rates for auto and homeowner's in my area.