insurance

Discussion in 'Photographic Discussions' started by spiffybeth, May 7, 2008.

  1. spiffybeth

    spiffybeth TPF Noob!

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    im looking to get my camera(s) insured, but i have no idea who does this kind of stuff.

    feel free to suggest company names.

    thanks!
     
  2. Village Idiot

    Village Idiot No longer a newbie, moving up!

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    statefarm. Cheap too.
     
  3. spiffybeth

    spiffybeth TPF Noob!

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    would any insurance agency do this?
     
  4. RyanLilly

    RyanLilly No longer a newbie, moving up!

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    It seems that a lot of people get their gear insured under their home owners or renters insurance, I'm not sure how it works exactly through some kind of rider that covers stuff outside the home, but just call up your agent/company and ask.
     
  5. usayit

    usayit No longer a newbie, moving up!

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    Homeowners policy to cover mine. Its pretty cheap... under $20 per $1000 dollars of value per year.
     
  6. spiffybeth

    spiffybeth TPF Noob!

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    so then lets say, for argument's sake, that i have neither homeowners/renters nor car insurance and i wanted to get it insured... it would work the same way and id just have to call up a company?
     
  7. Socrates

    Socrates TPF Noob!

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    My guess is that it would be quite expensive for you. It's inexpensive IF it's added as a rider to a home/renter policy. Do you live with your folks and, if so, do they have insurance?
     
  8. RyanLilly

    RyanLilly No longer a newbie, moving up!

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    Just call and ask. Do you use your gear professionally? There may be a difference if you do, probably more expensive.
    Call and get a quote, hell Gene Simmons insured his tongue!
     
  9. RyanLilly

    RyanLilly No longer a newbie, moving up!

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    Good call on that, adding something to an existing policy is almost always cheaper than buying a whole new one.
     
  10. spiffybeth

    spiffybeth TPF Noob!

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    nope, i live on my own but i dont have renter's insurance and my car is insured in my dad's name (i think) but if it isnt, then ill see if i can't tack it on.

    thanks for the feedback everyone!
     
  11. spiffybeth

    spiffybeth TPF Noob!

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    lol, no, not professional, but id feel better if it was insured.
     
  12. RyanLilly

    RyanLilly No longer a newbie, moving up!

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    Probably be a lot cheaper since you not a pro. Using your gear for work brings many more inherent risks, at least in the eyes of the insurance company. Try telling your car insurance company that you deliver pizza and see what happens to your rates, that is, if they don't drop you on the spot!


    Really renters insurance is pretty cheap especially if you don't have many nice things. Find out what a policy costs and ask if your stuff can be covered outside of the home. Might be the cheapest way.
     

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