Ryan0751
TPF Noob!
- Joined
- May 20, 2013
- Messages
- 28
- Reaction score
- 2
- Location
- United States
- Can others edit my Photos
- Photos NOT OK to edit
Now that I have a bunch of pro photo gear now (probably about $15k worth), I really want to make sure it's well protected.
I have a home inventory set up, and all of my photography gear (and other electronics) is all in there, with serial numbers, prices, receipts, and it's all backed up off-site.
I recently re-did my home owners insurance, and I put together a personal property price that reflected my home inventory, and I also did purchase replacement cost coverage.
Now, I'm not a professional photographer. When I asked my agent about riders for the gear, he asked if I was a professional photographer, and I said it was as a hobby. I was then told it would be covered under the normal personal property coverage.
I'm not quite convinced this is enough. As I use this gear mostly outside of the house, I'd like some coverage if something is broken or stolen. I also understand that when you make a claim against your home owners policy, you are basically screwed. If they pay out for a claim, you usually wind up with a cancelled policy shortly thereafter followed by much higher premiums for the foreseeable future.
What do the rest of you do? Do you get third party coverage?
I have a home inventory set up, and all of my photography gear (and other electronics) is all in there, with serial numbers, prices, receipts, and it's all backed up off-site.
I recently re-did my home owners insurance, and I put together a personal property price that reflected my home inventory, and I also did purchase replacement cost coverage.
Now, I'm not a professional photographer. When I asked my agent about riders for the gear, he asked if I was a professional photographer, and I said it was as a hobby. I was then told it would be covered under the normal personal property coverage.
I'm not quite convinced this is enough. As I use this gear mostly outside of the house, I'd like some coverage if something is broken or stolen. I also understand that when you make a claim against your home owners policy, you are basically screwed. If they pay out for a claim, you usually wind up with a cancelled policy shortly thereafter followed by much higher premiums for the foreseeable future.
What do the rest of you do? Do you get third party coverage?