Insurance policies for photographers

[gary]

I have around $8,000 with AAA for $100 a year. I say around as they list each item with photo's and copies of receipts. That is for worldwide cover with $100 deductible. The downside is that overtime I change a piece of equipment I need to get to their office so they can photograph it.

 

[Norkusa]

I use a separate policy for my camera gear and laptop through State Farm. I think it costs $1.44 (Canada Pro Rate) per every $100 of value a year. It's cheaper if you're not a "pro".

There is no deductible for a claim and you're paid the full value of what you own, not a depreciated value. Watch for depreciated value fine print.

A lot of homeowners policies only cover up to a certain amount for camera/electronics. I know mine only covers up to $5000 and has a $500 deductible.

How did you get a State Farm policy with no deductible? I just got the personal articles policy for business (I'm in USA). Cost me $330 per year for $9k worth of gear with a $500 deductible. Guess it's different in Canada. :-\