A question to all our well-informed and busy travelling photographers here:
I'd need coverage for about $7,000.
As previously stated here I have State Farm's insurance policy. I have over $10k covered and it is really cheap.
I have made two claims already as the first time my camera completely quit on me, and the second time it fell to it's death. I received a letter from them, then stating that if another 'incident' happens in the next 7 years that they will either:
A: Drop coverage and not allow me to utilize the PA Policy any longer or,
B: Require a deductible.
I wouldn't mind paying a small deductible for such losses, however, after speaking to my agent personally; he said that coverage problems like these typically end up with them dropping the customer. Due to the frequency of false claims by people and them taking advantage of such a great policy; they have a zero tolerance for problems as these.
Which definitely sucks for us who are legit customers and aren't taking advantage of the system.
In addition to all of that, my State Farm agent also said that the only time he had seen someone not get dropped after 3 claims in 10 years, is if the 3rd claim is done within the ending year of the contract. So if in the 9th year I make a claim, they won't drop me, but then will require a deductible.
::Takes deep breath::
And since we are all here to help each other; I pay for $10,000 renters insurance and $10,000 PA Policy and my YEARLY dues are only $240.00
If worst comes to worst and something does happen in the next 7 years with my camera gear, and I am in fact dropped from State Farms policy; I will be turning to these guys:http://www.tcpinsurance.com/
I hope this helps 7ender!