Photo equipment insurance (Page 3): I have a rider on my state farm homeowners insurance on which I can list individual photo items. It is reasonably priced but is not available if you...

Bob Boner

I have a rider on my state farm homeowners insurance on which I can list individual photo items. It is reasonably priced but is not available if you are using the equipment to make money. I have not had to use it often, but have had a few major claims that really add up.

CaptainC Loc: Colorado, south of Denver

Of course there are companies that supply insurance to media people:

http://www.packagechoice.com/index.jsp#htwms

I use Travelers through USAA.

Mine is equipment combined with liability and for tons of gear and a few million in liability it is around $600/yr. Covers loss of software, damage to rental sites or rental gear, etc.

Yooper 2 Loc: Ironwood, MI

Homeowners insurance covers cameras, lenses and other equipment for non-professionals. Make sure to get full replacement insurance. That covers accidents, theft, loss, and just about anything that could happen to a camera. No pro-rating. The cost is very reasonable. My insurance costs $48.00/year to cover $14000.00 of equipment. If you are in business it would listed and insured through the business.

WNYShooter Loc: WNY

Bill Emmett wrote:

Keep in mind, even if you buy the rider from your home insurance company, if you make a claim it will fall on your home owners policy. In turn, could substantially increase your premium.

B

You are correct on this, I know somebody who was redlined for 5 years because of a claim they filed for a D700 and 70-200 stolen from their sun porch.

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

Ted Evans wrote:

Thanks to all of you who weighed in br regarding a... (show quote)

Ted, here is all you need to know about photo gear insurance, as well as theft deterrents, tracking if stolen, etc. Homeowners "can" work, but the best policies include breakage, theft, loss of use, etc. but are costly.

http://dslrvideoshooter.com/gear-insurance-best-solutions-tips-tools/

whatdat Loc: Del Valle, Tx.

edazz; good question. I don't have my homeowners ins. with State Farm(but have car ins, with them) and, living in a rural area I have farm mutual that I won't give up as they have been great in the past and the cost is very competitive. So, will State Farm cover only camera equipment and/or guns? Years ago I had a laptop insured with State Farm on a stand-alone policy. Cost: $30 a year for #3,500 of coverage.
If I

Anandnra Loc: Tennessee

bcmink wrote:

Your homeowner's policy will not cover high end ph... (show quote)

I too have State Farm and instead of a rider on my Home Owner's Policy, I chose to get a Personal Articles Policy separately from my Home Owner's and it has full coverage with no deductible for losses and breakages - world wide.

chemdoc Loc: West Coast

Anandnra wrote:

I too have State Farm and instead of a rider on my Home Owner's Policy, I chose to get a Personal Articles Policy separately from my Home Owner's and it has full coverage with no deductible for losses and breakages - world wide.

I saw that listed on their website. Could you tell us how much it costs?

chemdoc Loc: West Coast

Yooper 2 wrote:

Homeowners insurance covers cameras, lenses and other equipment for non-professionals. Make sure to get full replacement insurance. That covers accidents, theft, loss, and just about anything that could happen to a camera. No pro-rating. The cost is very reasonable. My insurance costs $48.00/year to cover $14000.00 of equipment. If you are in business it would listed and insured through the business.

That sounds very reasonable. Which insurance company do you use?