I am planning to move cross county..how do I insure my camera equip?
Jun 17, 2020 10:26:08 #
https://www.statefarm.com/insurance/home-and-property/personal-articles-policy
Give a call, nothing to lose. Good luck on your move buddy.
Give a call, nothing to lose. Good luck on your move buddy.
Jun 17, 2020 10:35:43 #
First-welcome to Oregon. We did a similar move from Michigan to Eugene, OR five years ago. Didn't think about the camera, etc. angle. We also shipped two cars and loaded the trunks with stuff (kept a photo and written inventory). Probably wasn't the brightest idea but the transport company was bonded and insured.
If it's really valuable or a lot of equipment, seek out a specialty insurance company. If it's older equipment, you could sell it locally and buy new once you're here. There is no sales tax in Oregon.
If it's really valuable or a lot of equipment, seek out a specialty insurance company. If it's older equipment, you could sell it locally and buy new once you're here. There is no sales tax in Oregon.
Jun 17, 2020 11:14:17 #
Call Jake at State Farm. We have State Farm and in addition to our regular policy we also have a separate policy for camera equipment. I did some shopping around a few years ago and State Farm’s premiums were very competitive.
Jun 17, 2020 11:32:04 #
worldcycle
Loc: Stateline, Nevada
BarbB wrote:
I am planning to sell my home and drive across the... (show quote)
Lets see, $6K in equipment. If high end, a body and couple of lenses. If prosumer, perhaps a couple of bodies and several lenses. Instead of worrying about insurance (probably will never cover new replacement value, only replacement value with deductible, is it worth it?) buy yourself a nice travel case or camera bag that holds all your equipment securely. Never let go of it from when you leave until when you arrive. I have traveled for years with excess of 10K of equipment with me at all times and have never had a problem this way. Your hot little hand is the best security lock there is. A good case and your good judgement is the best protection against damage as well. Worried about homeless? That is when you leave your gear at your families house in Oregon and rely upon your phone for photos until you get your housing situation sorted out.
Jun 17, 2020 11:42:14 #
Jaackil
Loc: Massachusetts
BarbB wrote:
Allstate is our homeowners policy, and they will not cover items if we don’t own the home any longer. They don’t have separate policy just for jewelry or cameras.. I have extra riders for those things but it is cancels once the home is sold.. that’s the problem
Allstate agents are “captive“ agents usually meaning they only sell Allstate. Call an independent broker/agent. They will deal with a number of different companies and many different lines of insurance. So they should have access to this type of coverage. First question you ask is do they sell coverage for personal property? If they do explain what you want to cover.
Jun 17, 2020 12:14:36 #
tiphareth51
Loc: Somewhere near North Pole, Alaska
I have a Personal Articles Policy from State Farm ... it covers all my photo equipment.
Jun 17, 2020 12:22:50 #
Jun 17, 2020 13:07:39 #
Try the Old Fashioned way... call your most trusted agent, then two others to compare policies and recommendations. Choose best fit. Have a great move. Been there, done that.
Jun 17, 2020 13:30:34 #
Thank you Gene 51. I am going to check out NANPA ( even though this was not my question)
Jun 17, 2020 14:11:01 #
Check with your insurance agent. Camera insurance is generally available as a separate policy, not tied to a homeowners policy.
Jun 17, 2020 18:49:41 #
PixelStan77 wrote:
Does anybody have any experience with this company in actually filing a claim?
I spent 45 minutes trying to pin down the chat agent, giving him/her a specific camera and lens, when purchased, new or used, hypothetical amount of damage, etc. Each time I was given a fuzzy answer, finally resulting in "The claims adjuster assigned to the claim would determine how much would be paid out." Since depreciation would be calculated, I tried time after time to get an idea of the % depreciation (with a specific example), and got nowhere. I'm left with the assumption that the only way to evaluate the fairness of the payout is to actually file a claim--which would be a bit late to judge the reasonableness of the purchase.
Jun 17, 2020 18:58:01 #
fetzler wrote:
Others have suggested State Farm. They are a great company.
For 30 years I had Allstate insurance. When I moved into my new home, I again selected Allstate. After closing on my house and paying 1 years premium (check accepted and cashed), they decided not to insure my farm property. State Farm was glad for the business. I got better insurance for a bit cheaper.
For 30 years I had Allstate insurance. When I moved into my new home, I again selected Allstate. After closing on my house and paying 1 years premium (check accepted and cashed), they decided not to insure my farm property. State Farm was glad for the business. I got better insurance for a bit cheaper.
I had State Farm coverage for a frozen & broken water pipe, resulting in a flooded basement. It occurred after an extremely hard freeze, and State Farm was so flooded with claims that they called in adjusters from all over the country. The freeze was in Michigan, my adjuster was in Florida. He claimed that Michigan's labor rates were excessive (probably were compared to Florida), but I ended up losing thousands of dollars on the repair. When I talked with my local agent (who I had been with for 30+years), she was helpless to intervene.
So long, State Farm!!
Jun 17, 2020 19:02:42 #
Thank you all for all your suggestions and advise...
Charles 46277 suggested that we use our son's home as residence if we haven't bought a place before we make the move..and that suggestion was a great one!!
Our agent said, we can get renters insurance for his home in oregon, and have all our things covered, as well as the things we have extra insurace on, and not only will it cover the camera stuff, but it would be extra insurance for when the contents of the truck is in storage, until we actually have a new home..so thank you all,and I think my problem is solved! Thank you Charles 46277 111
Charles 46277 suggested that we use our son's home as residence if we haven't bought a place before we make the move..and that suggestion was a great one!!
Our agent said, we can get renters insurance for his home in oregon, and have all our things covered, as well as the things we have extra insurace on, and not only will it cover the camera stuff, but it would be extra insurance for when the contents of the truck is in storage, until we actually have a new home..so thank you all,and I think my problem is solved! Thank you Charles 46277 111
Jun 17, 2020 19:05:17 #
I also discovered with this experience that my insurance rates increased significantly and changing companies did not improve the situation. Turns out all/most insurance companies report claims to a common database, and rates are determined by all companies using that database (collusion?).
Anyway, I decided that insurance is pretty useless except for calamities, so I always try to buy the highest deductible policy possible and simply self-insure.
Maybe my experience is unique, but I have learned to be pretty cynical about insurance coverage.
Anyway, I decided that insurance is pretty useless except for calamities, so I always try to buy the highest deductible policy possible and simply self-insure.
Maybe my experience is unique, but I have learned to be pretty cynical about insurance coverage.
Jun 17, 2020 20:48:12 #
Not sure why ypu wouldn't have coverage without property. How are you insuring the things you will be moving to Portland? As for car insurance I suggest looking into one that would cover all items in your vehicle.
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