How do you insure your equipment

[AberyClark]

I don't have all the pro gear..but with my laptop, photo printer, lenses, camera, case, external HD, etc...I would like insurance. Is this something to add to homeowners....or maybe a special independent policy?

[DDCSD]

I have an "inland marine" policy that covers pretty much anything along with my liability policy.

The best thing to do would be to visit a local independent agent that you trust for some quotes.

[morpheus6d9]

can you put your camera equipment under home owner ins ?

[BarryKC]

Yes you can - either on a per item basis (like expensive jewelry) or as I do and have a "blanket" amount added to my homeowner contents coverage which uses a total figure instead. Even with the blanket, my policy includes a list of those things covered under the blanket. Contents coverage under a homeowner policy is similar to "inland marine" coverage. Whether you cover on a per item basis or by blanket, you should ask what perils you will be protected against (fire, theft, etc.) and whether a deductible will apply at the time of a claim. You would not want to be surprised to find that if your camera was stolen, you would have to pay a large deductible first. Under my policy there is no deductible for listed items and the annual premium is about 2% of blanket amount ($3,000 coverage is about $60 per year). Check your homeowner policy coverage with an agent first. Professionals should not cover their equipment under a homeowner policy - business use may be specifically excluded. I hope this helps.

[morpheus6d9]

thanks barry i will contact my ins agent tomorrow

[Paul J McCain]

Individually under homeowners with State Farm.

[Sauk]

I have mine through state farm right now (about 13,000 dollars worth) but I am going to move to TCP insurance.

They are very highly regarded in the photography community. Very good prices as well. Right now I can save around 200 dollars by going through them for the same amount as above.

http://www.tcpinsurance.com/photographer.html

[zeva]

Originally Posted by Sauk

I have mine through state farm right now (about 13,000 dollars worth) but I am going to move to TCP insurance.

They are very highly regarded in the photography community. Very good prices as well. Right now I can save around 200 dollars by going through them for the same amount as above.

http://www.tcpinsurance.com/photographer.html

TCP seems to be like a professional insurance to me not for normal people... but rahter people with businesses

[Sauk]

it is for anyone to be honest. You do not have to be a pro.

[DDCSD]

Originally Posted by zeva

TCP seems to be like a professional insurance to me not for normal people... but rahter people with businesses

It is ideal for those in the photography business, but still very applicable for hobbyists. The price is on par with lesser policies. It is nice to have a photographer specific policy. I went with my local agent's recommendation because of the fact that neither TCP or Hill & Usher are licensed in South Dakota.

The nice thing about these policies is that it covers many of the little things that you may run into that a general policy will not.

[zeva]

wow 510 a year? thats kinda high isnt it? for 7000 worth of stuff?

[DDCSD]

Originally Posted by zeva

wow 510 a year? thats kinda high isnt it? for 7000 worth of stuff?

With who?


It depends on your neighborhood and what requirements and fees your state puts on insurance companies (there is always a higher price to be paid for the "great coverage requirements").

[zeva]

quote i got from TCP

[DDCSD]

Originally Posted by zeva

quote i got from TCP

Does that include liability? It may be that you live in CA. I'd check with a local independent insurance agent. If the quotes that they come up with are comparable I'd go with TCP.

I've got over $11K and $1mil liability for less than $350 a year. That is not through TCP though, TCP doesn't write policies in SD.

[zeva]

OH ic well i will see... i m scared my stuff iwll get like stolen one day...