camera insurance
Jul 7, 2021 08:13:45 #
I am looking for a recommendation for a quality insurance company that I can get for my camera equipment. Any suggestions will be appreciated. Thanks so much.
Jul 7, 2021 08:23:27 #
There are many ways to approach insuring equipment, adding a rider to your home policy, specialty insurance (lower deductibles than home insurance). There are also insurance policies that specialize for professionals. I went with the lowest deductible for myself.
Jul 7, 2021 08:28:44 #
Have you checked with your homeowners/renters insurance agent? The company you already have may offer the product.
Jul 7, 2021 08:41:08 #
Some related info -
https://www.lightstalking.com/camera-insurance/
https://www.lemonade.com/blog/camera-insurance/
https://www.digitalcameraworld.com/buying-guides/the-best-camera-insurance-for-photographers
https://www.lightstalking.com/camera-insurance/
https://www.lemonade.com/blog/camera-insurance/
https://www.digitalcameraworld.com/buying-guides/the-best-camera-insurance-for-photographers
Jul 7, 2021 08:47:22 #
Well here is what happened. I purchased $10,000 worth of insurance on my equipment about 5 years ago as a rider to my home owners. This past weekend I was at a family reunion and tripped over a cooler and dropped my camera and lens on the pool deck and it hit hard and the lend broke off the camera and the camera slid into the pool. I called my insurance company and since I moved into a condo about 2 years ago they did not keep my insurance policy rider. They did not tell me that it was off and so I assumed I was still covered. Well, i'm not. So when I get my new D850 and Lens I need some insurance for it. Thanks for the response
Jul 7, 2021 08:56:51 #
jerryc41 wrote:
Thanks, great information
Jul 7, 2021 09:00:21 #
You might look into what the PPA offers to it's members...
https://www.ppa.com/benefits/insurance/basic-equipment-insurance
All the best on your journey Dave
https://www.ppa.com/benefits/insurance/basic-equipment-insurance
All the best on your journey Dave
Jul 7, 2021 09:05:06 #
I would strongly discourage you from insuring your camera gear with your homeowners policy. Keep them separate, separate companies, even. You do know that any insurance company will drop you if you have too many claims, yes?
Why risk cancellation of your home's insurance if you get into a tangle over camera claims? Home owners insurance can be costly and hard to get in some locales. It happens. The more we combine coverage for multiple things, the greater the problem if it gets cancelled.
Why risk cancellation of your home's insurance if you get into a tangle over camera claims? Home owners insurance can be costly and hard to get in some locales. It happens. The more we combine coverage for multiple things, the greater the problem if it gets cancelled.
Jul 7, 2021 09:51:17 #
Jul 7, 2021 10:18:18 #
Bayou wrote:
I would strongly discourage you from insuring your... (show quote)
I have not found that to be true with AMICA. Reasonable cost, no deductible and two claims in the past 2 years. Both times I received a check within three days after providing estimate and if it was more, just forward the proof.
Jul 7, 2021 21:08:04 #
Bayou wrote:
I would strongly discourage you from insuring your... (show quote)
Good point - I guess it depends on the insurance company. I have USAA for everything and have had two auto comprehensive claims (tree limbs) and two windshield claims in my first 5 years with the company with no repercussions, but Allstate dropped me after my first homeowner’s claim from a hurricane.
Jul 8, 2021 05:42:08 #
billnikon
Loc: Pennsylvania/Ohio/Florida/Maui/Oregon/Vermont
Davet wrote:
I am looking for a recommendation for a quality insurance company that I can get for my camera equipment. Any suggestions will be appreciated. Thanks so much.
Most any insurance company will offer camera insurance. I suggest you go with the same insurance company that currently insures your car and home. A bundle insurance program will save you money.
I have Allstate insurance.
It is a separate rider. It lists my equipment, serial number, and replacement cost, also the year it was bought.
When I was a professional photographer, I had High Risk coverage, it covered me in case my equipment injured someone, a tripod falling from a church balcony and landing on someone for example.
Good luck and keep on shooting until the end.
Jul 8, 2021 05:59:12 #
Davet wrote:
Well, here is what happened. I purchased $10,000 ... (show quote)
In those two years, you must have received a new policy with your relocation. Your new insurance policy would have shown for what you are covered.
Jul 8, 2021 06:23:01 #
Davet wrote:
I am looking for a recommendation for a quality insurance company that I can get for my camera equipment. Any suggestions will be appreciated. Thanks so much.
I have a personal umbrella policy with my homeowners insurance. (Allstate)
Jul 8, 2021 06:37:32 #
We have a separate Policy through USAA, covering my wife's jewelry and my photo gear. The fees are reasonable and we can update as needed.
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