Camera Insurance?

[CyberDyneSystems]

I had seen posts on this ,. but I had palnned to get coveradge through my current agent along with "Apartment insurance"

Turns out that because of where I live,. I can't get a renters policy that will specifically cover my gear. Nor does my agaent handle policies for equipment without it being a rider on homeowners or renters insurance,...

So,. Anyone have any ideas?

I have a 10D lenses and accesories that amount to about $5,000.00 in gear. The idead that I could have that much being so portable and lugged all over the wilderness makes my skin crawl!

I NEED Insurance! :)

I am not a pro however,. I live in the U.S. (East Coast)

Thanks :)

[Brian Mackey]

CyberDyneSystems wrote:
I had seen posts on this ,. but I had palnned to get coveradge through my current agent along with "Apartment insurance"

Turns out that because of where I live,. I can't get a renters policy that will specifically cover my gear. Nor does my agaent handle policies for equipment without it being a rider on homeowners or renters insurance,...

So,. Anyone have any ideas?

I have a 10D lenses and accesories that amount to about $5,000.00 in gear. The idead that I could have that much being so portable and lugged all over the wilderness makes my skin crawl!

I NEED Insurance! :)

I am not a pro however,. I live in the U.S. (East Coast)

Thanks :)

you have a business right? CyberDyneSystems. you can get some small busines coverage. If you in NJ email me and I can get you in tocuh with the company I use :)

regards

[r_m_aten]

I know this reply won't benefit you, but maybe it will help some other people struggling with the issue. I live in Holland and over there, they have a special insurance for any valuables. It's called a Valuables Insurance (DUH!). You pay per amount insured (I think it was about $20 per $1000 insured). With this, you're also insured any self-inflicted (non intentional) damage. Would have been good for the 10D bounce test...

[CyberDyneSystems]

No busines,. just a hobby :( (and a pricey one at that :) )

[JohnMW]

I'm also on the East Coast, in Georgia, and recently looked into the same exact thing. My renters insurance is through AllState, and they do indeed insure additional equipment on their renters policies. If you have an AllState near you, check it out... and their premiums are rather good too.

- John.

[CyberDyneSystems]

Thanks John, I might give it a try. I may have to "fib" a little.

The issue with where I live is ,. apperently many companies won't cover renters insurance of you live in a building with a flat roof!

They are paranoid about slum lords and leeking roofs.

I of course did not know this , so when asked,. I said,. yes I have a flat roof.

As theft or damage from within my apartment is of absolutely NO concern to me what so ever,. (I live in "Fort Knox" :) ) I want insurance that will cover the gear when out and about actually using it.

[mapdealer]

$5,000 in gear, huh? Now what was your exact address again? And also maybe the hours you're gone at work! I'll be happy to stop by and and keep an eye on your stuff. JUST KIDDING LOL!!

May the Schwarzenegger be with you...

[mapdealer]

PS I'm in that price range for my equipment too and just the thought of losing it makes me sick to my stomach.

A word to the wise: make a complete list of all serial numbers and put it in a safe place.

[HeatherJL]

Crap, thanks for reminding me!! My husband told me that I had one week from my 10D purchase to get it on our homeowners insurance.

[ctgoldwing]

I don't understand why you just don't take a rider out. . . They are usually very reasonable & my guess is $100 would probably cover $5K.

[cubfan]

Mine is through State Farm and it is about $2 per $100 of camera gear so $20 per thousand. Mine is the professional rate and amatuer rate is about $1.50.

[CyberDyneSystems]

Cubfan,. I will look into state farm... :)

CTGoldwing,

I can't get a rider unless I allreaady have renters or homeowners insurance,... which I could not get through my usual agent without spending three timess as much,. and the only company that would even offer renters insurance for my building, DOES NOT DO RIDERS! :( :(

Anyway,. I'll try state farm,. sounds like it may solve my problems if I can do this without getting apartment insurance.

Mapdealer,.

you will need to get into the building itself (a battering ram MIGHT take out the 8 foot tall 3 inch thick oak doors)

Try not to set off the alarm wired to ADTand the Police dept,. as ADTs offices are across the street and the PD is three blocks away,.

Then find your way to the fifth floor,...where you will find the steel door to my apartment,. with three locks,. and another alarm....

Get past BOTH dogs,. and then of course there may just be an individual,. very much like myself, :D who has done a lot of shooting,.. long before I ever owned a camera,...... if you catch my drift :)

[mapdealer]

Cyberdyne-
HA! No thank you. You keep your gear and I'll keep mine. But you are right EXACTLY! I personally have a Browning Hi-Power and S&W Model 19 (both loaded with my own home brewed reloads) if anybody wants my stuff, because my two cats probably won't do much good except maybe to purr them to death.

Raise your glass to guns and cameras!

PS My lens is longer than yours...

[dreid]

I'm in Kentucky and got mine for the same amount of coverage for less than $200 a year from State Farm. Make sure you get an Inland Marine rider so it'll be covered both if you use it at home and outside of your home. Includes $1 million of liability also.

[dbarthel]

For really good camera coverage, you need a really good CAMERA policy. One option is the NAMNPA the North American Nature Photographers Association. Pricey, but all encompasing, including your gear disappearing from checked bagage or slipping and falling in the water. As I reacall my policy ran about 450 per year for 20,000 worth of gear plus the 100per year membership. This is insurance for photographers, not homeowners or renters. I'm sure there are others out there who offer camera specific coverage, but the extra 100 membership goes for a good cause.

Dan

[charr5]

I have had insurance on my camera equipment in the past through state farm. I have my car insurance through them as well. They referred to it as personal property insurance. It was ~$40 for the year for $3000 coverage. They said it would also cover accidental issues,even if I dropped my camera in the water.
Just my 2 cents

[CyberDyneSystems]

Thanks for the info,. it looks like I need to talk to State Farm and the American Nature Photographers Association. As a nature photographer,. seems like a good idea :)

mapdealer wrote:

...Raise your glass to guns and cameras!

PS My lens is longer than yours...

Hahahahahaaaa! :D :D :D

Is it really? I do have a 500mm :)

Not to mention some other goodies.... :0

The high power and Berretta are both top shelf,. if you are happy with a 9

Me,... I have this attachment to larger bores (or is that longer lenses :) )

(okay,.. i'll mention the goodies after all :D )

The custom 1911 on a Caspian frame and slide is my favorite,. but more for targets as the 2.2 pound trigger is a little too "skittish" for those moments when your liable to get "nervy"

The Para-Ordnace 18 round .40 1911 is more suited to "close encounters"

But for the fun of a "long lens" then its time for either the 7.5 inch Super Blackhawk in .44 magnum,. or the 8 inch limited edition Ruger Super Redhawk in .454 Casull,. (just in case they hide behind the refrigerator)

:D

[pwagner]

Do you have a 1-year "buyer protection plan" from your credit card? That will at least give you a year to shop around for a long-term plan.

[mapdealer]

Cyberdyne

I have the Super Blackhawk too! It stays in the gun safe though because single action just doesn't seem the kind of gun I want for a 'close encounter'. I'm more of a 'spray and pray' kind of guy, hence the Hi-Power.

I guess you do have a longer lens than mine! But I do have the Sigma 50-500 on order. I can't wait to use it at my son's football games! Then I can toss that puny Samyung reflective 500mm that was a mistake to buy in the first place. And then maybe...some day... a Canon L ...ooooh! I think I just came!

May you ride, shoot straight, and speak the truth!

PS I'm jealous of the .454, you dog!

[SemieE]

I just got insurance today on my 10D and equipment (which as of now consists of only one 50mm 1.4 lens, a tripod, camera backpack and 3 256 meg cards) and it seemed pretty reasonable for me. It was right under AU$200/year for AU$5000 worth of stuff. I only say it's reasonable because I really can't imagine going without it and something happening. This was through a normal insurance company btw and I'm covered anywhere in Australia and anywhere overseas (so long as I'm not gone more than 90 days).

[wcbert]

Please check with you Allstate agent on this. While I fully cover with Allstate with my camera gear, it is not cover when I go to Europe. Allstate will only cover my gear for anything that happens to it in the U.S.

I would like to hear from any other people insured by Allstate that they are still insured overseas.

Bill

[kufel]

I don't know if they operate in the US, but I have property ins. with Economical Insurance,I was robbed in Eastern Europe, 10D, Nikon 801, camcorder, lenses.... I am getting everything replaced (EOS3 in place of 801, 10D, all Canon lenses, camcorder), total of 14 G canadian, no problem.

[cjtinkle]

I have mine through Shelter Insurance, I called my agent and asked if our home policy covered it or what my options were. She gave us an "Inlane Marine" policy with a $250 deductible, covers $6000 in camera equipement, and costs $62 per year. It covers theft, accidents, just about everything. Sounded good to me so that's what I have.