Not sure if this is the right place for this topic, so I apologize if I'm posting in the wrong section.
I didn't care much about insurance before since my current gears are not ridiculously expensive, but I'm planning on switching to FF and L glasses soon and thought it would be worth it. Originally thought about purchasing some SquareTrade warranty but they are very expensive. (And I don't see any additional benefit provided by SquareTrade compared to policies like State Farm's PAP)
After doing some researches, the State Farm Personal Article Policy seems to be one of the most popular options around(and some mentioned other similar policy provided by other insurance companies)
Just have some quick questions so hopefully I can get some answers or inputs from current policy holders before I try to contact a State Farm agent on Monday.
1. Some forums say the StateFarm PAP is only available if you are an existing policy holder for one of their other policies, anyone got this policy by itself recently?
2. How much does it typically cost per $1000 if you do not own other StateFarm policies?
3. Anyone filed a claim before? How is the claim process? And what else does it cover other than accidental damage?
4. Any other important things I should know about the policy?
A little more information about myself, I'm in Texas(I know the state you are in is suppose to impact policy availability and price), not a homeowner, and looking to insure about $4-5K worth of camera gears for purely personal use.
Thanks in advance for any answers/comments/inputs