How much is insurance?

[Bokeh]

I'm getting enough equipment now that I'm starting to worry about things like breakage, theft and water damage, esp. after reading about the guy that lost his 20d at the shoreline.

Does anyone have any idea how expensive it is for insurance? Thanks

 

[Hertz van Rental]

Depends on where you live and what you use your kit for.
In UK my household insurance covers all my kit, even up to two weeks abroad. Just have to name expensive items. I pay about £300 pa and I'm covered for up to £2,000 on a single item and a total max of £20,000.
Of course this doesn't cover professional use. That tends to be much more expensive and restrictive. There are some specialist firms out there. Shop around or ask your Insurance broker.

 

[SWFLA1]

Do you have homeowners or renters insurance? It would be cheaper to list your equipment and pay for a separate rider on your police than to buy a new policy.

hope this helps...

 

[photogoddess]

If you're just a hobby shooter, you can request a special rider to be added on to your policy. Depending on what you have (dollar wise) you might have enough coverage already. Generally if you are using your equipment professionally, your homeowners policy won't cover it. A call to your agent will tell you tons. Aside from that, there are lots of insurance brokers that work hand in hand with some of the professional photographer associations.

 

[Bokeh]

Do you have homeowners or renters insurance?.

Yes, I'll call and find out! Thanks

 

[green]

be careful with homeowners/renters insurance... sometimes they only cover it for your house being broken into or burning down... dropping your camera at the beach isn't necessarily covered.

I have business insurance... costs me $175/year and covers all my equipment even if I dropped it, or it got stolen out of my car on the way to or from a shoot... plus inside my house. do a lot of research and figure out what you need insurance to cover before you pay money and find out after that you're not really covered.

 

[Alison]

Green, what company do you use? I've been searching for business insurance and haven't had much luck finding one that will coverage droppage.

 

[GerryDavid]

Im interested in green's answer as well.

Ive been told if you join appa *american professional photographers association* it comes with insurrance as well.

 

[dirtnapper]

I have the homeowners....yes, all perils covered...ie...dropping off a boat into the drink...you don't have to have the loss occur at your home. Ask the questions and read your policy.....it is well worth the money! I also have a seperate rider for the computer equipement, and one for the clocks as well as for the photo stuff. Save your receipts also; although, I had to submit them at the time of getting the insurance...just be sure you can produce them, if you ever need to make a claim.

 

[mygrain]

esp. after reading about the guy that lost his 20d at the shoreline.

I read that thread!!!!! That freakin sucked. Canon couldn't help him and he sounded pretty ill over the ordeal...(This was the thread that had the guy who was talking about his friend who would clean his tv by hosing it down with water right?...err if not sorry for the hijack)

 

[Bokeh]

I have business insurance... costs me $175/year and covers all my equipment even if I dropped it, or it got stolen out of my car on the way to or from a shoot... plus inside my house..

WOW!

That's awesome.

I haven't had a chacne to check, but I will. I have about $4500 worth of equipment in this bag and, when I get my 70-200L (crosses fingers) it will be sustantially more. Most of that comes by way of a Sony VX2000