December 20, 2014, 03:36:50 PM

Author Topic: Insurance on camera equipment  (Read 4649 times)

Jackson_Bill

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Re: Insurance on camera equipment
« Reply #15 on: April 17, 2013, 10:20:21 PM »
What a great thread. It should have been obvious but I just didn't think of talking to my insurance company.
I need to get on that!

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Re: Insurance on camera equipment
« Reply #15 on: April 17, 2013, 10:20:21 PM »

notapro

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Re: Insurance on camera equipment
« Reply #16 on: April 17, 2013, 11:49:41 PM »
I have covered my equipment with State Farm because of what I read on this thread.  Great advice here, and perfect coverage from State Farm (zero deductible, full replacement coverage).

neuroanatomist

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Re: Insurance on camera equipment
« Reply #17 on: April 18, 2013, 08:29:36 AM »
It's great coverage, yes.  But do keep in mind that either directly or indirectly, it's linked to your homeowner's insurance.  If you make a claim for your camera gear, it'll be reported to the CLUE database, and that can affect your future rates and even eligibility for coverage.  If I drop a Speedlite, I'll cover that loss out of pocket...but if someone steals my 1D X and 600/4L IS II, I'll file a claim.
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sullivan06

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Re: Insurance on camera equipment
« Reply #18 on: April 18, 2013, 08:52:38 AM »
Hey so I'm not sure if you are able to insure through USAA or not, but my rates through them are $4/month for $5000 of gear.

Sella174

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Re: Insurance on camera equipment
« Reply #19 on: April 18, 2013, 09:11:25 AM »
I never read the exclusion but talked to my agent (State Farm) who said the rider basically covers all risks short of war.

I'm in South Africa and over here the insurance companies basically exclude themselves if you take your gear into what they deem a "dangerous environment" - the short of it is that the gear is only insured when it is in your house or studio (and in a safe when not being physically used).
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ksuweh

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Re: Insurance on camera equipment
« Reply #20 on: April 18, 2013, 09:25:09 AM »
Inland Marine.  It's very affordable and is designed for business that have gear that is used in mobile instances.  Policy allows ad on's and take off's of items you have covered.  So if you sell you're EF 500mm, you can deduct it from the policy for some savings and then add on the new EF 800mm L that you just purchased! 

As with many of the other recomendations here, the premium is based on the value of all the items being covered.  All accidental type of incidents and theft, etc. are covered...

+1    I have a policy through these guys as well, except I purchased it through PPA (Professional Photographers of America). Both companies are good to work with. They require anything over $200 I believe to be on the schedule. I pay just under $1.50/$100 of coverage for close to $20k worth of coverage. The coverage is quite extensive too. I could leave my gear in an unlocked car, have the gear stolen & still be covered.
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Krob78

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Re: Insurance on camera equipment
« Reply #21 on: April 18, 2013, 11:50:37 PM »
Inland Marine.  It's very affordable and is designed for business that have gear that is used in mobile instances.  Policy allows ad on's and take off's of items you have covered.  So if you sell you're EF 500mm, you can deduct it from the policy for some savings and then add on the new EF 800mm L that you just purchased! 

As with many of the other recomendations here, the premium is based on the value of all the items being covered.  All accidental type of incidents and theft, etc. are covered...

+1    I have a policy through these guys as well, except I purchased it through PPA (Professional Photographers of America). Both companies are good to work with. They require anything over $200 I believe to be on the schedule. I pay just under $1.50/$100 of coverage for close to $20k worth of coverage. The coverage is quite extensive too. I could leave my gear in an unlocked car, have the gear stolen & still be covered.
+10  That's what I love about them, very flexible and coverage is fantastic, very extensive indeed in my opinion... same type of rates you're quoting...
Ken

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Re: Insurance on camera equipment
« Reply #21 on: April 18, 2013, 11:50:37 PM »

Mr Bean

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Re: Insurance on camera equipment
« Reply #22 on: April 19, 2013, 07:40:33 AM »
After all this talk about insurance, and, especially after buying the Zeiss 15mm, I went and found an insurance company (here in Australia) that has a reasonable cover. For those interested, AON are the crowd in Australia that specialise in camera gear insurance, so I discovered :)
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Re: Insurance on camera equipment
« Reply #22 on: April 19, 2013, 07:40:33 AM »