bearwitme Loc: VA, USA

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Is this part of a homeowners, or Rental policy or separate.?? Is there a specific name for the policy ??? TIA

djlouden Loc: Ocala, Florida

File a major claim on your homeowners policy and watch how fast they drop you come renewal time. At least that's what I've seen happen here in Florida.

Happy Shooting

SonyBug

Yes, that is true in Fla. But USAA does not go into Fla, so it is not an issue here in TN. They replaced my roof and no increase...

markngolf Loc: Bridgewater, NJ

I have a photography specific rider on my Liberty Mutual homeowner's policy. It is 100% replacement value - no deductible. I send in a copy of each purchase receipt (via their website - in my account) and everything is automatically covered. I have approximately $13 - 14 thousand of equipment, including my laptop. I think it runs around $135 per year.
Mark

Photo Girl Loc: SE Pasco County, FL

I was sure glad I had that coverage on my Amica policy when my camera was stolen. Amica doesn't provide HO insurance where I live, but I'm going to get my new equipment insured with my new insurance company. You just never know when something can happen and this photo stuff is not cheap.

gvarner Loc: Central Oregon Coast

I have the same thing with State Farm. Another nice feature is that it covers depreciation, no deduction for that.

Picture Taker Loc: Michigan Thumb

I use State Farm for my camera equipment. I insure the stuff that I carry most of the time. about $15,000 and it is not bad. I only put in a claim once to fix a lens and it is not a problem.

Royce Moss Loc: Irvine, CA

Hey Barracuda,I recently had some my gear stolen. It was all covered under my homeowners insurance with Hartford. I submitted $ 2400 and they valued my gear at $2600 so I got a check minus my $500 deductible for $2100. Needless to say I was glad I had that insurance.

tcthome Loc: NJ

State Farm - in NJ. $147.00 for $11,000.00 of gear. Personal article policy. I forget what the deductible is but its not mush if any or I would not of purchased. Good luck!

Bill Emmett Loc: Bow, New Hampshire

Every time this insurance issue raises its ugly head, I suggest the company that insures my photo equipment, and even my other electronics. Worth Ave Group is my insurer. Not only does it insure cameras, lenses, bags, it also includes cell phones, tablets, laptops, and even big screen TVs. The insurance is bought on the value of all this tech equipment, and not the specific items. You give your equipment a value, and buy the amount of coverage you'll need. The policy covers loss by theft, fire, flood, natural disasters, lightning strikes, vandalism and accidental damage, like drops, and spills/water submersion. Depending on the value of the policy the deductible is calculated. For example, on my $10,000 policy my deductible is $25.00 per incident. Now the only thing I see as a problem with getting the coverage is that the policy is actually for students to insure their equipment. The coverage has also been extended to alumni of schools, of course this to a great extent to colleges. So, if you ever attended a college, or now have a child in a college, you can get coverage. This also includes teachers, professors and staff of K-12 grade schools. This also includes wives too. For a claim, you need proof of loss, police reports, proof of ownership, like a receipt of purchase. Give them a call: 800-620-2885.

B

sb Loc: Florida's East Coast

You have a LOT of cameras and guns!!!

jaysnave Loc: Central Ohio

I have a State Farm policy on my equipment (personal use). Since I occasionally charge for photography my agent cast some doubt on whether it would be covered if it was lost or damaged during a paid gig. Also implied that I may be questioned if I am using it for personal use as the images could be used in my portfolio. They have a business policy which is not very well detailed and much more expense. I recently went with Package Choicehttp://www.packagechoice.com/index.jsp#htwms. About $500 per year for $10k of equipment and liability coverage as well. I don't know if there are better deals out there, but I feel much more comfortable hauling equipment to various venues and or personal use.

John_F Loc: Minneapolis, MN

Do insurance agents/companies employ 'sting' artists to catch one out?

Ed Commons

Most carriers offer a rider for you home owner's policy, in which you can insure specific items, Jewelery, antiques, art and cameras. You have to list each item you have, and furnish proof of ownership and serial numbers. I list my camera body and the more expensive lenses. I don't list other accessories because of costs. I use a rule of thumb. If I can replace a lens for less than or equal to my deductible ($500) it is not listed. Filters and such are not listed.

djlouden Loc: Ocala, Florida

Thanks for the info. I'll give them a call and see what they offer.

Happy Shooting