camera insurance
Jul 11, 2021 09:19:24 #
Jul 11, 2021 09:22:29 #
Picture Taker
Loc: Michigan Thumb
I have a rider and it cost depends on value and complete (loss and damage) or loss. I pay $200+ on $15,000.00 +
Jul 11, 2021 19:01:51 #
tcthome
Loc: NJ
I use State Farm Person Items insurance. It goes up a little every year for reasons like, they don't make my D810 anymore & would need to replace it with a D850 or Z7II. Around $16k of insurance for I believe $235-$260. I know it was in the mid $2 hundred area. Covers stolen, dropped in water, driven over with my truck, etc. Good luck.
Jul 11, 2021 19:49:43 #
jonyrot wrote:
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.
We had State Farm homeowners insurance and auto insurance many years ago. Two separate policies.
Never had to use the auto insurance.
However, we had a break in at our home and they stole everything they could. Including all the food out of our freezer, two tv’s, a couple of wall paintings, golf club set, lawnmower and fishing gear and some jewelry. Nothing was super valuable. They broke through a window in the kitchen.
About a year later, we had a small kitchen fire with smoke, fire and water damage to one wall behind the stove, melted vinyl kitchen flooring and a burnt stove. Our insurance agent was a ‘friend’. When I called and asked if we should file a claim he said not to worry since it would only be our second claim in 20 years. They paid the claim, then immediately canceled our homeowners and auto insurance. Our agent friend said there was nothing he could do. Now we have USAA with high deductible. I don’t trust insurance companies!
Jul 12, 2021 03:28:19 #
mundy-F2
Loc: Chicago suburban area
47greyfox wrote:
Have you checked with your homeowners/renters insurance agent? The company you already have may offer the product.
Several decades ago, my camera kit was stolen from my house. The home insurance covered the camera kit. I am not sure about now. I am going to check my own policy. Thanks for asking the question.
Mundy
Jul 12, 2021 03:30:46 #
mundy-F2
Loc: Chicago suburban area
Davet wrote:
Well here is what happened. I purchased $10,000 w... (show quote)
Sorry to hear about your camera. I hope you are OK.
Mundy
Jul 12, 2021 03:33:54 #
mundy-F2
Loc: Chicago suburban area
Thomas902 wrote:
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
Thanks Thomas.
Mundy
Jul 12, 2021 08:50:13 #
NCMtnMan
Loc: N. Fork New River, Ashe Co., NC
TriX wrote:
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.
I found out that the only "good hands" were in my wallet.
Jul 12, 2021 13:29:20 #
I never bother with camera insurance. I am not clumsy enough to drop / bump my photo gear, and no one is bold enough to try stealing it. The last fool who did break in, to steal, got three bullets for his trouble. It kind of deters copycats. My Insurer is Walther Arms. I need no other.
Jul 12, 2021 15:25:54 #
I use a USAA Valuable Personal Property insurance policy to protect against thefts and breakages; and I always but "Drops & Spills" insurance on any new or "renewed" camera purchases which adds about 10% for a two or three year policy to the sales price. I've had one claim over the years on the USAA policy (theft in St. Petersburg) and I received the payment before the cruise ended and didn't result in a rate increase.
Two Notes:
The USAA coverage doesn't include "professional use." They are very liberal in interpreting it; I suspect you would have to be on a paid photo assignment to have your claim denied.
Also, you can recover the price of Drops & Spills insurance if you sell off used equipment and offer to transfer the remaining coverage.
Two Notes:
The USAA coverage doesn't include "professional use." They are very liberal in interpreting it; I suspect you would have to be on a paid photo assignment to have your claim denied.
Also, you can recover the price of Drops & Spills insurance if you sell off used equipment and offer to transfer the remaining coverage.
Jul 12, 2021 15:52:53 #
Picture Taker
Loc: Michigan Thumb
"Keen" I'v been shooting for about 75 years. Shot in Libya, Europe, Asia etc. Never had to shoot any one ( was authorized), never had my stuff stolen, lost or broken. Did fall in a major US city and had my camera in my hand and damaged the camera and lens. It was repaired and payed for insurance, was my payments over the years more than the cost, yes. But I still have insurance, why because it is peace of mind, and the cost of it.
Do your thing and I'll pay and do mine. When you squeeze that trigger you can never go back.
Do your thing and I'll pay and do mine. When you squeeze that trigger you can never go back.
Jul 12, 2021 16:37:55 #
Our favorite afro hair-doo'd Photographer, Jared Polin, has promoted a free phone app called My Gear Vault. It gives you a current record, if you keep it up, of all your gear, purchase dates and serial numbers. It is intended to facilitate getting just the kind of insurance quote you're seeking. Check it out. PPA is a good way to go and it is truly specialized coverage.
Key issue is depreciation and deductibles, like any insurance purchase.
Key issue is depreciation and deductibles, like any insurance purchase.
Jul 13, 2021 02:46:29 #
baron_silverton
Loc: Los Angeles, CA
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.
State Farm calls it a "Personal Articles Policy" but all the insurers have something similar - you pay around 2% of the value per year to fully insure whatever item - it covers loss, theft and even negligence on your part and there is NO deductible for the items you insure.
If you make a claim they pay you 100% of the insured price - if you make too many claims though, they will drop your insurance and refuse to insure you anymore, but you will be covered for the loss either way.
I find this insurance to be totally worth it - makes me way less worried where I take my gear. When I went to Iceland I insured all the cameras and lenses I took and never thought twice about them getting stolen or lost when I was there - nothing ended up happening but I did subsequently drop a camera into a lake (accidentally) and the insurance company gave me the full value for the camera in cash.
Hope this helps.
Jul 16, 2021 01:10:37 #
BobSmithingNP
Loc: Kent, WA
I insure my gear with a rider on my USAA policy. My gear was stolen and they made good on it without rate increases and they did not increase our rates.
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