Camera Gear Insurance

Discussion in 'Photography Equipment & Products' started by phototrek, Aug 22, 2010.

  1. phototrek

    phototrek TPF Noob!

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    Hi Guys,

    I would like to know if anybody on this forum has insurance against someone stealing your camera gear. I know that homeowners insurance protects items stolen out of your house but I am talking about someone stealing it when you are outside your house.
     
  2. Josh66

    Josh66 Been spending a lot of time on here!

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    Does your auto policy cover items stolen from your car?


    I'm not sure, but it may still be possible that home owners/renters insurance might cover it if it wasn't physically inside the dwelling... Ask your agent about that.


    There are policies you can purchase specifically for cameras, I don't have one though - so I can't really say anything about it. I'm sure someone who knows more about it will stop by soon...
     
  3. ann

    ann No longer a newbie, moving up!

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    yes, check on a "rider" it isn't very expensive; however , you will need to provide proof of purchase.
     
  4. AverageJoe

    AverageJoe TPF Noob!

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    I have personal property insurance on my gear with state farm, I gave them an itemized list of what I have and what I paid for it, totaled at $7k, I pay about $140 a year for it to be insured. If I drop it, it gets stolen or if it gets attacked by North Korea State Farm will give me the cash I claimed it to be worth.
     
  5. Josh66

    Josh66 Been spending a lot of time on here!

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    Good thinking, planning ahead and everything. You never know when that **** is going to go down, lol...

    My insurance doesn't cover acts of war/terrorism... I might have to look into State Farm.

    :lol:
     
  6. Markw

    Markw No longer a newbie, moving up!

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    I may have to look into that. I dont have $7000 worth of equipment, but I do value mine and would die if it got stolen. Thats a good thing to check into..

    Mark
     
  7. Jay30

    Jay30 TPF Noob!

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    I just insured my gear with rider from my home owners. $50 a year for $2500 of coverage.
     
  8. Phranquey

    Phranquey TPF Noob!

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    I've got a rider on my homeowner's, and I pay 1.4% declared value annually, $154 on $11K. That covers anything that happens to it.... stolen, dropped, tripped on, run over, and, yes, North Koreans. :lol:

    Another point that has been brought up on this subject was that if you made a claim, your homeowner's premium would go up, so I called my agent.... the answer I got was that the annual percentage of the rider would increase, not the primary premium. To me, this is well worth it should I happen to butterfinger a $4K rig.
     
  9. Josh66

    Josh66 Been spending a lot of time on here!

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    Are you sure...? Pretty much every insurance plan I've ever had doesn't pay anything for acts of war/terrorism... Like, if some psycho comes into your workplace and starts shooting people, that's considered an act of terrorism - insurance doesn't have to pay ****.

    Like my AD&D - if I die at work, my wife gets a little over $500,000. If it's an act of war or terrorism (really, the most likely scenario where I would die at work) - nothing.

    edit
    We've had at least one incident where a recently fired employee rigged a bomb in the car of the person who fired him ... he was seriously injured. That would be considered an act of terrorism by most authorities...
     
    Last edited: Aug 22, 2010
  10. Phranquey

    Phranquey TPF Noob!

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    Well, if a North Korean steals my camera, I'm covered.... otherwise, probably not.


    Damn... I hope you're not in the HR dept.
     
  11. Idahophoto

    Idahophoto TPF Noob!

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    I have renters insurance which covers my gear almost exclusively since all I have I put into photography lol. But yeah theft, mysterious disappearance or breakage by someone including myself is all covered. For 25 bucks a month it's a stellar deal and I see no reason not to do it. My set up is very small but hitting over 5K right now I would hate to have to replace that myself if something happened. I might have to change policies soon though as I am thinking I'll be reaching the limit of this plan real soon so will need to talk to them but as of now its all good.
     
  12. Markw

    Markw No longer a newbie, moving up!

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    Well lets see, if I had to replace all I have in my bag today(stuff most likely to be stolen), it would be as follows:

    Nikon D90 w/grip: $850 + $140 = $990
    Nikon 50mm F/1.8D: $135
    Nikon 80-200mm F/2.8D ED IF: $1,100
    Nikon 28-80mm F/3.3-5.6G: ~100
    Sigma 105mm F/2.8 EX DG Macro: $480
    Sigma 10-20mm F/4-5.6 EX DC HSM: $460
    Nikon SB-600: $220
    Lumiquest LQ-107 softbox: $35
    Prolight Inverted dome diffuser + 2 domes: $17
    Card Reader: $20

    Total: $3557.

    So, Im running on the low end of everyone here, but I think its totall worth $50-200 a year to not have to replace all of it new. Definately something to look into.

    Mark
     

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