Gene51 Loc: Yonkers, NY, now in LSD (LowerSlowerDelaware)

You'd have to look at the policy. What you get from companies that specialize in insurance for photographers is generally stuff you'd want. The H/O policies are more as a courtesy and a way to generate a little extra revenue from an existing customer. I had Nationwide, and they were really happy when I asked them to cover my gear for replacement value - and the rate was great - I think I paid $550 for $25,000 coverage with a $250 deductible. I made 2 claims over 6 yrs, and because I had a plumbing leak in my home while on vacation which caused $2K worth of damage, AND a claim for lens damage in the same year, they gave me a really hard time on renewal of the H/O policy. That's when I learned of Chubb Insurance and the member rates at NANPA. Worth every penny, but I have not made a claim. A friend did make a claim - her equipment was stolen at an airport. They honored it quickly and completely, no questions asked other than the list of the equipment. She was on a photo excursion abroad, and was able to replace everything in her camera bag, along with the bag in a few days.

Gene51 Loc: Yonkers, NY, now in LSD (LowerSlowerDelaware)

You CAN get replacement value on a H/O policy. I was not saying you couldn't. What I am saying is that most H/O carriers really freak out if you make a claim, even on their main policies, and will drop you in a heartbeat if you make too many claims. What constitutes too many? Good luck finding out. You don't learn this until it's too late.

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

I have a RIDER on my ALL STATE home owners insurance policy that covers my photography equipment. It is a separate policy. My agent has a list of all the equipment and serial numbers. Anything that costs over $5000.00 per item must be insured separately.
It is very inexpensive and is well worth the piece of mind it gives me. I also have receipts that have the serial numbers on it.

eadler

I just covered my camera equipment as a rider to my home owner policy. The cost was $150 per year for $6500 worth of coverage.

Call your broker!

brooklyn-camera I Loc: Brooklyn, NY

https://www.statefarm.com/insurance/home-and-property/personal-articles-policy

I have $17,165.00 insured and pay $295.58 per year. I just renewed this month and it is well worth the price.I have used it twice and it has paid for itself for the next few years. I received payments for a total of $2100.00 with no questions asked. You do need to have proof of purchase and serial numbers for your item. I insured from cameras, lense, flashes, misc equip. and camera bags too. Just make a list before you purchase to see what and how much you want to insure.

Tomcat5133 Loc: Gladwyne PA

I am shocked that the gentlemen above has IIk in gear insured about $100.
I had State Farm for over years. A few years ago the tub on 2 floor of townhouse leaked
major damage to kitchen and were told we had to dryout in the walls. Up to them only had one
claim many years ago. The State Farm rep adjuster became a monster obnoxious. I got a private
adjuster and the fight began. After months we finally got things fixed for just about what we paid.

Had State Farm rider for my camera's it was a few hundred bucks a year. I have posted this when
I sold a Nikon D800 on ebay and received an offer and an email to send the camera to person in Arizona
for a birthday present. emails were phony. UPSed to Tuscon. It was signed for at a business. Camera
gone I was robbed. Contacted police their they investigated didn't get a final answer. They gave me
proof of the crime. I submitted to State Farm. My rep of many years said they won't pay. They
don't like that I didnt have the camera when stolen. I paid $3500 at the time the D800 was hot item.
It was robbed. This was my first ebay experience. Since have sold a lot of gear with them.

Now State Farm may have changed or I just got unlucky. Got rid of them when we moved to FL a couple of years ago. Had many policies with them for years. Didn't matter. They are out.

I have an online policy from a company called NEXT. Looked OK online. Who knows.
It does include liability which I need in I work for some companies.

lev29 Loc: Born and living in MA.

Thanks for posting this and your subsequent qualifying statements.

khorinek

I also use State Farm Personal Article Insurance. I've not had to use it but it's there if you need it. It cost about $120/year for all my equipment including my laptops.

cornhillfarm

In the UK, most insurance companies won't pay out on camera equipment insured under a home contents policy if the kit is used for commercial purposes, for example if you have any images with Alamy, Getty, etc.

peterg Loc: Santa Rosa, CA

A great place to start your search. I have a photography rider on my homeowners policy. I can add/delete my inventory anytime on-line. My premium quote is quickly updated. Your company may have a similar feature. Insure only what you can't afford to lose.

Picture Taker Loc: Michigan Thumb

Some of the Pro Photographer Ass. Give insurance with membership. I found State Farm good. You must Identify each item and give a value ( use the B & H catalog and bring it with the list). I only needed it once and the agent gave me a check on the spot when I gave him the bills, Canon and Tamron

junglejim1949 Loc: Sacramento,CA

We are with State Farm and eill give our agent a call.
Thanks!

gvarner Loc: Central Oregon Coast

And there is no deductible or depreciation. You get the purchase price for replacement. Have to be an amateur though, pro rates are much higher. They also cover my desktop and printer but don’t cover mobile devices.

Picture Taker Loc: Michigan Thumb

They included my Laptop, which I take with me to Europe. (but not iPads).

brooklyn-camera I Loc: Brooklyn, NY

Also if the new purchase is higher than you paid, they (State Farm) covers it. Had that happen on a lens that was damaged and the replacement price was higher that the original.