Insurance

What kind of insurance do you need to insure your equipment when you're out and about? For example if you drop a lens when changing it on a shoot or it gets stolen out of your car? I have renters insurance for my apartment, but not sure what I need to cover when im out.

Talk to your insurance agent. You can get a personal property rider attached to your renters insurance for a very reasonable fee.

Frodge wrote in post #16132050
What kind of insurance do you need to insure your equipment when you're out and about? For example if you drop a lens when changing it on a shoot or it gets stolen out of your car? I have renters insurance for my apartment, but not sure what I need to cover when im out.

I have a separate policy for my gear with State Farm.

My personal gear is on a policy through the same company that does my auto/home insurance. My professional gear is bundled with my professional liability insurance.

Thx folks.

Not through renters or home insurance. Get separate policy, like state farm personal article policy.

First, if you're a pro, it's a whole different story.
Homeowner's policy riders may only cover loss (house got flooded) or theft, not necessarily negligence, such as a drop, and deductibles usually apply.
Obviously, it depends on the policy.
Definitely call your renter's insurance and see what's available.

If your photography is JUST a hobby, you can put it on as a rider for full coverage, drops like I just had, theft, flood, fire etc. Costs me $10 per $1000 insured. I have a 24-70 2.8 my little boy pulled off the table and basically busted the lens in half. Ins. covered 100% of the repairs.

I heard having on home insurance and making claims can cause issues with getting home insurance later.

bobbyz wrote in post #16132680
I heard having on home insurance and making claims can cause issues with getting home insurance later.

That could be the case with any insurance claims potentially having an impact on rates.

Merlin_AZ wrote in post #16132737
That could be the case with any insurance claims potentially having an impact on rates.

Yup but getting camera insurance denied is one thing. Getting home insurance denied due to camera claims is anoher.

bobbyz wrote in post #16132680
I heard having on home insurance and making claims can cause issues with getting home insurance later.

We had a decent sized claim when our house was robbed. Didn't raise my rates, they actually went down the next year. I don't see how it would negatively impact me getting new insurance as long as my credit was good and there was nothing fishy about the claim. The claim was on our general homeowners policy and a separate policy we have for our computers.