Insurance for our cameras and such??????

Discussion in 'Photography Beginners' Forum' started by STICKMAN, May 24, 2008.

  1. STICKMAN

    STICKMAN TPF Noob!

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    After getting my new D-40 today I was wondering if there is a outside source that offers insurance on these types of items? If so who and how much. I know I can put a rider on my home owners polcy but I was wondering if there is any other way. Any links or info would be great, Thanks in advance.
     
  2. Dao

    Dao No longer a newbie, moving up!

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    I do not know it myself. I think you can contact your insurance agent and see. I am sure they should know more and may have a great product for you. )
     
  3. Garbz

    Garbz No longer a newbie, moving up!

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    Rider on your home insurance would probably be the cheapest.

    I am sure that there are specific purpose insurers for this kind of thing. Usually some kind of professional business insurance may cover it if you use the camera in a small business.

    Mine is on the home owner's policy and covered for everything. Along with other things we have a total of $10000 insured this way and it only costs $270 / year.
     
  4. jwkwd

    jwkwd TPF Noob!

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    Geico renters: $20,000 - $259.00 year.
     
  5. chrisburke

    chrisburke TPF Noob!

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    i just called my home insurance and it cost me an extra 60 cents a month for replacement coverage for my camera and all my gear
     
  6. maytay20

    maytay20 TPF Noob!

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    Yeah I know a couple Photographers that have their camera and all their gear covered under house / renters insurance.
     
  7. Alpha

    Alpha Troll Extraordinaire

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    I've only got $600 in coverage from SPS, which sadly is enough to cover almost one of my strobes lol.

    PPA has more and better coverage, as well as other benefits, of course at a premium. Look into it.
     
  8. Antithesis

    Antithesis No longer a newbie, moving up!

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    I have renters insurance and pretty much everything I own is protected under normal loss type stuff, including theft.

    If you start getting into some higher end equipment, you can join the PPA and get discounted equipment insurance. Right now, there's no point in dropping $300 on insurance for a $500 camera.

    My buddy is getting reimbursed something to the tune of $9000 because he fell off a rock into a few feet of salt water with his camera bag over his shoulder and lost three camera bodies and a load of pro glass.
     
  9. jg123

    jg123 TPF Noob!

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    Just got off the phone with my insurance company here in Toronto, Canada and here is the scoop - $1,200 value rider for an additional $22 a year! Protects me anywhere in the world from theft, loss and any damage, even if I do it myself, with a rider it also waives the deductable and gives me replacement value.
     
  10. Joves

    Joves No longer a newbie, moving up!

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    Good deal. I have mine through the Nikonians for my equipment.
     
  11. SpeedTrap

    SpeedTrap TPF Noob!

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    You may want to confirm that this is personal use only; I am not sure if you are looking to charge for your photos, but if the insurance determines the loss was while working they may not cover it.
    I had to change from home insurance to small business to have my equipment covered.
     
  12. jg123

    jg123 TPF Noob!

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    I am going to be using my camera as a hobby. The agent did ask that question, I should have found out what the difference was in price, but I wonder if it would be much higher.
     

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