Insurance for camera equipment?
Apr 3, 2018 07:12:22 #
ValliPride wrote:
I would like to purchase a policy for my camera equipment, I am not a professional, I would just like to get a policy to cover my investment, is their any companies that would cover my Nikon D850 and a couple of lenses ? Thanks
When I purchased my new Camera and lenses I was offered an insurance policy through a company called mack worldwide warranty. Hopefully I will never have to find out how good they are, but I was told that if I didn’t use the warranty with in the three years the store at least would give me half my money back of the purchase price of the insurance premium. www.mackcam.com. I fell in the river once lost two phones a lens and hurt the camera. Would have been worth the price of the warranty.
Apr 3, 2018 07:23:01 #
If you have a homeowners or renters insurance policy your equipment is already insured as it is "Personal Property"; claims are subject to your deductible. You can broaden coverage a bit to include dropping the camera in the creek or river or knocking it off the table or having your tripod collapse by adding the "rider" that several responders have mentioned.
Apr 3, 2018 07:24:36 #
Tomcat5133
Loc: Gladwyne PA
Actually I am in Florida now for 2 years got rid of State Farm after 30 years. I had a rider on my gear (D800) and a few years ago (I have talked here about this a few years ago) and a camera I sold on ebay and shipped was properly delivered but turned out to be scam by criminals. The police investigated and I had a crime report. No results. State Farm refused the claim. The camera was stolen in Arizona.
I recently got tired of not having insurance so I looked into it and took a "Next" policy. It is $40 bucks month and includes liability.
The service has been great. Had questions instantly answered. Quite honestly I switched in 15 minutes and I was ready to go.
I cannot vouch for "Next" this is my insurance. I usually take a cell phone shot of gear I take somewhere.
I got tired of car insurers here not servicing my account when I had questions. Geico turned out to be a gem. Better pricing.
You can change the policy in a few minutes online. And they do a monthly so I dont have these big payments.
My daughter had an accident and Geico did a great job of turning the card around perfect work great experience.
I recently got tired of not having insurance so I looked into it and took a "Next" policy. It is $40 bucks month and includes liability.
The service has been great. Had questions instantly answered. Quite honestly I switched in 15 minutes and I was ready to go.
I cannot vouch for "Next" this is my insurance. I usually take a cell phone shot of gear I take somewhere.
I got tired of car insurers here not servicing my account when I had questions. Geico turned out to be a gem. Better pricing.
You can change the policy in a few minutes online. And they do a monthly so I dont have these big payments.
My daughter had an accident and Geico did a great job of turning the card around perfect work great experience.
Apr 3, 2018 07:32:14 #
I use State Farm. Very reasonable and I have had some claims which were paid promptly with zero hassle. A separate freestanding policy as I have no other policies with them.
Apr 3, 2018 07:36:21 #
ValliPride wrote:
I would like to purchase a policy for my camera equipment, I am not a professional, I would just like to get a policy to cover my investment, is their any companies that would cover my Nikon D850 and a couple of lenses ? Thanks
Homeowners/renters policy should cover it for an additional fee.
Apr 3, 2018 07:45:53 #
My quick take is that I have invested a whopping $1500 in camera equipment, and don't want to add to the cost. I'll check my home and auto insurance, but the only insurance I have ever bought and got even close to what I've paid in are our medical and our homeowner's ( latter thanks to damage from a hailstorm). Auto damage has always been under the deductible.
Apr 3, 2018 07:55:40 #
toxdoc42 wrote:
Contact your homeowners or renters policy. You can add a scheduled property rider also called a personal property floater. The cost to insure camera equipment is very reasonable and your company.may even cover stupid or foolish behavior which results in damage, dropping the camera, etc.
I did this too and actually ended up saving a ton of money because our home owners changed from just car and home to a bundle by adding my camera & lens making the insurance on them virtually free and significantly lowering the cost of the other two. And it covers all kinds of stupid stuff I could potentially do to my camera.
Apr 3, 2018 08:20:57 #
ValliPride wrote:
I would like to purchase a policy for my camera equipment, I am not a professional, I would just like to get a policy to cover my investment, is their any companies that would cover my Nikon D850 and a couple of lenses ? Thanks
Contact your homeowner's insurance company and get a photo equipment rider
.
Apr 3, 2018 08:38:00 #
ValliPride wrote:
I would like to purchase a policy for my camera equipment, I am not a professional, I would just like to get a policy to cover my investment, is their any companies that would cover my Nikon D850 and a couple of lenses ? Thanks
As long as you use your photography equipment strictly for personal use or hobby it should be or can be covered under your Home Owners or Renters Insurance. You can add a specific rider too. Though I really wonder how much they will cover considering the prices of digital equipment and there is a sizable deductible. There are limits. I am sure I am above my Home Owners limit for non-real estate property.
Apr 3, 2018 08:44:28 #
BlueMorel wrote:
My quick take is that I have invested a whopping $1500 in camera equipment, and don't want to add to the cost. I'll check my home and auto insurance, but the only insurance I have ever bought and got even close to what I've paid in are our medical and our homeowner's ( latter thanks to damage from a hailstorm). Auto damage has always been under the deductible.
That is not much, equivalent to one good camera. Might not make sense for you. Yikes, I must have close to $10k just in old darkroom equipment I no longer use. Well, I do use the film tanks for processing B&W when I occasionally still shoot it.
Apr 3, 2018 08:49:56 #
Tom Daniels wrote:
Actually I am in Florida now for 2 years got rid o... (show quote)
Unfortunately for you Florida is the state known best for fraud. Many companies have pulled out of Florida for that reason. Every time you hear a homeowner bragging about getting a new roof paid by insurance-bingo that's it.
They may insure a camera and a couple of lenses, but if you have multiple bodies, studio lights and equipment, insurance companies will declare you as a pro and fail to pay off. Commercial policies are expensive (if you can get a good one). While on a job I never let my equipment or vehicle out of sight or have a friend or attendant watch it. I opted for a good very heavy gun safe for my equipment. I can't move it, and neither can a thief.
If I ever lost a camera due to water conditions etc. I would chalk it up as time to upgrade. For outdoor use with water and rough terrain I use a cheap Go Pro or Canon 80D. If I lose them, no big deal.
Apr 3, 2018 09:03:33 #
toxdoc42 wrote:
Contact your homeowners or renters policy. You can add a scheduled property rider also called a personal property floater. The cost to insure camera equipment is very reasonable and your company.may even cover stupid or foolish behavior which results in damage, dropping the camera, etc.
Apr 3, 2018 09:06:20 #
ValliPride wrote:
I would like to purchase a policy for my camera equipment, I am not a professional, I would just like to get a policy to cover my investment, is their any companies that would cover my Nikon D850 and a couple of lenses ? Thanks
My wife and I recently decided to purchase insurance for our Camera gear...we have approximately $10,000 invested in Camera bodies and lenses etc at this point...I contacted my State Farm agent and they gave me a ‘Personal Articles Policy’ for $97.00 per year which I thought was quite reasonable
Apr 3, 2018 09:31:26 #
Apr 3, 2018 09:50:06 #
https://www.statefarm.com/insurance/home-and-property/personal-articles-policy
Low cost and great coverage...you will need receipts for the items and serial numbers of the gear you wish to insure. I'm not a pro and shoot for the fun of it...while shooting a football game I was blindsided and my 70-200 mm was snapped off the camera in two pieces, called State Farm and told them what happened. Check for $1300 in the mail...it was a Sigma lens. I would highly recommend this type of insurance for anyone with gear that they want protected. Give a call and let us know how you make out.
Low cost and great coverage...you will need receipts for the items and serial numbers of the gear you wish to insure. I'm not a pro and shoot for the fun of it...while shooting a football game I was blindsided and my 70-200 mm was snapped off the camera in two pieces, called State Farm and told them what happened. Check for $1300 in the mail...it was a Sigma lens. I would highly recommend this type of insurance for anyone with gear that they want protected. Give a call and let us know how you make out.
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