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Messages - nonac

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Insurance is a casino game between you and the insurance company in which the odds are stacked in their favour. Many years ago, I was given the advice that you insure yourself only against events that happen very rarely and are too expensive for you to cover. If you can afford to replace your gear, then don't insure it because the insurance companies have the odds stacked in their favour - they make a profit because on average the insurance premiums cost more than the cost of repairs and losses.

So I take it that you don't insure your house or car either?  Of course insurance companies are out to make a profit, they can't provide that service for free!  The model is for them to spread the risk over many in hopes of reducing their risks and keeping the premiums lower for everyone in the group.  That's just how it works. 

Washington Monument, December 2012.

I know the feeling, but unless you will be getting a commercial/financial return from the investment, it does not make sense.

And why is that?  Some people, like myself, enjoy photography as a hobby, not for a commercial endeavor.  I have roughly $17k in gear now and I'm looking to add a $10k+ lens next year.  I know hobby fisherman that have $25-30k in boats or weekend motorcyclists that have $20k in a custom Harley's.  Photography as a hobby is no different.

Photography Technique / Re: Myrtle Beach, SC
« on: June 29, 2014, 03:34:30 PM »
Wow, this was really helpful. 

Photography Technique / Myrtle Beach, SC
« on: June 28, 2014, 03:41:29 PM »
Since there has been a few travel questions of late, I thought I would throw mine in there.  I'm headed to Myrtle Beach, SC in a couple weeks.  Suggestions on photo opportunities in the area that I should not miss?  I like shooting landscape, macro, and wildlife. Thanks.

There are 100's of photographers at this event. You can't tell what all of them are using by watching it on a tv. Besides, I'm sure the camera would be somewhat disguised, there would only be a few of them, and the photographers using them would not be using them for all of their pictures. Just because YOU didn't see one on tv allows you to conclude the CR is inaccurate? Ridiculous assertion.

Lighting / Re: Small container for holding spigots/studs?
« on: June 14, 2014, 09:38:58 PM »
Check your local sporting goods stores as well.  There may be some small box used for tackle that may work for you.

I can't believe they are just now putting out an official announcement for this, 7 of the weekends have ready happened!

Macro / Re: Flower macros
« on: April 27, 2014, 02:17:33 PM »
A Lantana flower head prior to opening. The entire head with all the buds as you see it in the picture has a diameter of 1/4 to 3/8 of an inch.

Canon General / Re: Insurance for Camera gear
« on: April 17, 2014, 09:13:19 PM »

I did many years ago, but Rand has recently raised there rates a little.  Are you saying H&U is cheaper?

It may be cheaper.  I just scheduled about $14k with them and also added $10k for rental/loaner gear and my premium is $287.  Replacement value and worldwide coverage. It sure doesn't hurt to shop around every couple of years because some companies will try to sneak the rates up on you hoping you won't notice.

Canon General / Re: Insurance for Camera gear
« on: April 17, 2014, 06:56:18 PM »
Since this thread was posted I have taken the time to look into some insurance, and some from the providers that some of you have mentioned on this thread, and have found that it is a major challenge to find something affordable that can cover more than, say, $10K in equipment.  My homeowners policy rider, in the amount to cover my equipment, would be nearly $2,000 per year but would not cover more than $10K in losses or damage outside of my home, which is where I would need the insurance coverage the most....I checked with Hiscox and their insurance would only cover up to $10K...anyone out there got anything that would cover, say $50K worth of equipment at a cost say $1,000 per year instead of $2,000...???
I you join the North American Nature Photographers Association (NANPA), you can sign up for insurance through Rand/Chubb.  My one claim experience was very positive and it is true commercial photography insurance so there's no need to worry about affecting your homeowner's policy or having a claim rejected due to "commercial use" or anything like that.   It's $0.0245 per dollar of insurance (you determine the full replacement value) so $10k of insurance would be $245 a year + $100 annual NANPA membership fee - $345.  I have well over $10k worth of gear insured and I'm sure George Lepp and others (who use their insurance) do as well.  NANPA's pretty cool, too, so the $100 isn't a waste at all.

Get a quote from Hill and Usher.

Canon General / Re: Insurance for Camera gear
« on: April 14, 2014, 04:32:59 PM »
Unfortunately, none of the State farm agents in Houston agreed to a stand-alone policy. I think it differs by location and the agent involved.

Do you have a homeowners/renters policy with them?  I'm pretty sure that's the only way they'll write a Personal Articles policy.  It's the same policy that covers jewelry, fine art, etc., above the basic limits on the primary policy, so if you have home/rental coverage with them, and the agent still won't write a PA policy, I'd get a new agent or call State Farm directly.

You are right, they will write a personal articles policy WITH a renter's/homeowners policy. However, they didn't agree to a stand-alone PA policy as miah mentioned in his post. I have heard State Farm agents do so elsewhere, but not in Houston.
I don't need a renter's since I live in a high-security apartment for doctors and scientists with police surveillance and close-circuit cameras, so I am trying to get an insurance just for the photography equipment against accidental damage and security away from home, as is available in the UK (for non-professionals). I guess I might end up getting a renter's after all, but I would like to see if there are any options.

Theft is not the only reason to have renter's insurance.  What if the place burns down, gas line explosion, water pipe breaks and floods your living area.......... All the security won't stop things like that from destroying your property.  Renter's insurance is cheap, you need to get a policy.

Canon General / Re: Insurance for Camera gear
« on: April 13, 2014, 03:12:36 PM »
Talk to your agent and add it on to your homeowner's and car insurance for best discount.  They will have you list everything, including prices and serial numbers.  Be sure to get a rider that provides for replacement not pro rata payout for loss/theft/damage, etc.


I checked with my agent for my car/housing insurance first.  The cost of the policy was about the same; however, it did not cover accidental breakage which is important to me. Make sure you review the details of the policy carefully.

Canon General / Re: Insurance for Camera gear
« on: April 13, 2014, 08:45:30 AM »
Within the last 2 months I insured my gear here in the US through Hill and Usher.  They can develop a policy specific to your needs. I basically started off with equipment coverage (no liability) as I do no work for hire so I don't have the need at this time for liability.  I am covered worldwide for loss, damage, breakage.  I scheduled approximately $15,000 in equipment including post processing equipment.  I have a $500 deductible and my annual premium is $287. I am also covered for up to $10,000 in rented or borrowed(CPS) equipment.

Canon General / Re: How To Water Proof?
« on: April 02, 2014, 04:47:33 PM »
I kayak and have a small pelican case just big enough for my camera and most used lens.  It rides between my legs in the kayak where I can get to it quickly.  I carry two other lenses in a dry bag in the hatch.  I rarely ever change lens, but I have them if needed and will stop to retrieve them and change them out.

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