lennon33x
No longer a newbie, moving up!
- Joined
- Jul 28, 2012
- Messages
- 605
- Reaction score
- 49
- Can others edit my Photos
- Photos NOT OK to edit
Mine is insured through the home and since I do waaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaay more personal stuff with it than pro stuff, it's apparently okay. That said, that's definitely a gray area and I wouldn't consider that gospel. I'd talk to your insurance provider. Generally the home insurance route is cheap and effective. (I used mine once when my D300 was smashed). Also look into the low or no deductible option as it doesn't tend to cost much more and doesn't leave you paying $500 out of pocket or whatever.
I asked my wife about a situation like your's. Apparently for underwriting/coverage purposes, your livelihood needs to somewhat depend on your photography in order to schedule your items. Otherwise, it's considered "personal property."
The industry standard starting this year is to eliminate the $500 deductible. And if you're paying a $500 deductible, you're paying a higher premium.
Private companies insuring only camera gear or electronics equipment is a safe bet. I personally wouldn't add it to our homeowners insurance as a means of "what happens if..." Luckily for us, we don't have thousands and thousands of dollars in equipment and need that kind of coverage.