bribrius
Been spending a lot of time on here!
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excellent post. i don't think i need the gear insurance in my case i have more valuable items i should probably be concerned with though? It does seem to be important the difference between who needs it and who may not and what might be covered in what situation? i had someone break into my house once (well, i don't lock it anyway they walked in), but because of the dog i think they managed to get away with about three minutes and maybe a hundred dollars in stuff? i DO WISH i had caught them. i do i do. And i think they hit the dog with something when i got home it looked a little hurt acting but was okay. For curiosity sake, if i drop a camera in a river or if it is stolen out of a vehicle what does this insurance cost? so we all know?First of all, check your home-owners policy carefully; irrespective of the total dollar amount covered many (most?) have limitations on the amount that they will reimburse for a specific type item. $5000 seems like a very common number in my experience, so in practical terms, you could have $10,000 in gear in your home, your house is burgled, and all your gear stolen ($10K can easily fit into one gadget bag these days); if you have a $1000 deductible and a $5000 cap on camera gear, all you would get would be $4000!im still trying to figure out the gear insurance thing.... granted, i don't have huge money in gear but generally speaking my house is in is insured with its contents up to 100k in belongings or some stupid number (way more than my stuff is worth here, so are you guys insuring for theft out of your cars or something?
My insurance covers my gear no matter where it is. House, venue, vehicle, bus-station locker up to $50,000. It also covers me if someone else damages my gear, or if my gear hurts someone ($2,000,000 liability). It also allows me to add a venue as a 'co-insured' so that if I'm shooting in a big hotel for example and something happens that relates to me or my gear, my insurance and not the hotels will take the hit. This is a VERY common requirement of many venues.