Approve the Cookies
This website uses cookies to improve your user experience. By using this site, you agree to our use of cookies and our Privacy Policy.
OK
Index  •   • New posts  •   • RTAT  •   • 'Best of'  •   • Gallery  •   • Gear  •   • Reviews
Guest
New posts  •   • RTAT  •   • 'Best of'  •   • Gallery  •   • Gear  •   • Reviews
Register to forums    Log in

 
FORUMS Canon Cameras, Lenses & Accessories Canon EOS Digital Cameras 
Thread started 18 Jul 2013 (Thursday) 13:54
Search threadPrev/next
sponsored links
(this ad will go away when you log in as a registered member)

Insurance

 
Frodge
Goldmember
Avatar
3,087 posts
Gallery: 2 photos
Likes: 147
Joined Nov 2012
     
Jul 18, 2013 13:54 |  #1

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.


_______________
“It's kind of fun to do the impossible.” - Walt Disney.
Equipment: Tokina 12-24mm, Canon 40mm 2.8, Tamron 17-50 2.8 XR Di, Canon 18-55mm, Canon 50mm 1.8, Tamron 70-300VC / T3I and 60D

  
  LOG IN TO REPLY
sponsored links
(this ad will go away when you log in as a registered member)
gjl711
"spouting off stupid things"
Avatar
56,225 posts
Likes: 2926
Joined Aug 2006
Location: Deep in the heart of Texas
     
Jul 18, 2013 13:57 |  #2

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


Not sure why, but call me JJ.
I used to hate math but then I realised decimals have a point.
.
::Flickr:: (external link)
::Gear::

  
  LOG IN TO REPLY
2cruise
Goldmember
Avatar
4,561 posts
Gallery: 743 photos
Best ofs: 4
Likes: 7339
Joined Jan 2009
Location: Virginia.....I'm also known as Whisle
     
Jul 18, 2013 13:58 |  #3

Frodge wrote in post #16132050 (external link)
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.


5D Mark IV~70-200L f4~16-35 f4L IS ~Zeiss 25mm f2~Zeiss 50mm f2 Makro-Planar~ Sigma 24-105 Art~Lee filters
My Flickr (external link)

  
  LOG IN TO REPLY
Mavgirl
Senior Member
647 posts
Joined Mar 2013
Location: Dallas area
     
Jul 18, 2013 14:04 as a reply to  @ 2cruise's post |  #4

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.


6D/50D/350D with too many lenses
Calumet 4x5, Pentax SV 35mm, Canon A-1, Rebel G and many more toys...

  
  LOG IN TO REPLY
Frodge
THREAD ­ STARTER
Goldmember
Avatar
3,087 posts
Gallery: 2 photos
Likes: 147
Joined Nov 2012
     
Jul 18, 2013 14:19 |  #5

Thx folks.


_______________
“It's kind of fun to do the impossible.” - Walt Disney.
Equipment: Tokina 12-24mm, Canon 40mm 2.8, Tamron 17-50 2.8 XR Di, Canon 18-55mm, Canon 50mm 1.8, Tamron 70-300VC / T3I and 60D

  
  LOG IN TO REPLY
bobbyz
Cream of the Crop
20,426 posts
Likes: 3303
Joined Nov 2007
Location: Bay Area, CA
     
Jul 18, 2013 15:43 |  #6

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


5dmk3, 35L, 85L II, 300mm f2.8 IS I, 400mm f5.6
Fuji XT-1, 14mm f2.8, 23mm f1.4, 35mm f1.4, 56mm f1.2, 90mm f2, 50-140mm f2.8

  
  LOG IN TO REPLY
Merlin_AZ
Senior Member
Avatar
872 posts
Likes: 17
Joined Mar 2010
     
Jul 18, 2013 16:39 |  #7

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.




  
  LOG IN TO REPLY
scpictaker
Goldmember
Avatar
1,385 posts
Likes: 9
Joined Feb 2009
Location: Edgerton Wis
     
Jul 18, 2013 16:47 |  #8

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.


My Flickr (external link)
Canon 5D MKIII l 7D MKII l 24-105L l 16-35 L II l Sigma 50 1.4 ART l 70-200 2.8 L II l 24-70L l EOS M l 2X III l Rok 14mm

  
  LOG IN TO REPLY
bobbyz
Cream of the Crop
20,426 posts
Likes: 3303
Joined Nov 2007
Location: Bay Area, CA
     
Jul 18, 2013 17:38 |  #9

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


5dmk3, 35L, 85L II, 300mm f2.8 IS I, 400mm f5.6
Fuji XT-1, 14mm f2.8, 23mm f1.4, 35mm f1.4, 56mm f1.2, 90mm f2, 50-140mm f2.8

  
  LOG IN TO REPLY
Merlin_AZ
Senior Member
Avatar
872 posts
Likes: 17
Joined Mar 2010
     
Jul 18, 2013 18:01 |  #10

bobbyz wrote in post #16132680 (external link)
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.




  
  LOG IN TO REPLY
bobbyz
Cream of the Crop
20,426 posts
Likes: 3303
Joined Nov 2007
Location: Bay Area, CA
     
Jul 18, 2013 18:22 |  #11

Merlin_AZ wrote in post #16132737 (external link)
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.:)


5dmk3, 35L, 85L II, 300mm f2.8 IS I, 400mm f5.6
Fuji XT-1, 14mm f2.8, 23mm f1.4, 35mm f1.4, 56mm f1.2, 90mm f2, 50-140mm f2.8

  
  LOG IN TO REPLY
Mavgirl
Senior Member
647 posts
Joined Mar 2013
Location: Dallas area
     
Jul 19, 2013 03:43 |  #12

bobbyz wrote in post #16132680 (external link)
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.


6D/50D/350D with too many lenses
Calumet 4x5, Pentax SV 35mm, Canon A-1, Rebel G and many more toys...

  
  LOG IN TO REPLY
sponsored links
(this ad will go away when you log in as a registered member)

1,220 views & 0 likes for this thread
Insurance
FORUMS Canon Cameras, Lenses & Accessories Canon EOS Digital Cameras 
AAA
x 1600
y 1600

Jump to forum...   •  Rules   •  Index   •  New posts   •  RTAT   •  'Best of'   •  Gallery   •  Gear   •  Reviews   •  Member list   •  Polls   •  Image rules   •  Search   •  Password reset

Not a member yet?
Register to forums
Registered members may log in to forums and access all the features: full search, image upload, follow forums, own gear list and ratings, likes, more forums, private messaging, thread follow, notifications, own gallery, all settings, view hosted photos, own reviews, see more and do more... and all is free. Don't be a stranger - register now and start posting!


COOKIES DISCLAIMER: This website uses cookies to improve your user experience. By using this site, you agree to our use of cookies and to our privacy policy.
Privacy policy and cookie usage info.


POWERED BY AMASS forum software 2.1forum software
version 2.1 /
code and design
by Pekka Saarinen ©
for photography-on-the.net

Latest registered member is rush1981
688 guests, 342 members online
Simultaneous users record so far is 15144, that happened on Nov 22, 2018

Photography-on-the.net Digital Photography Forums is the website for photographers and all who love great photos, camera and post processing techniques, gear talk, discussion and sharing. Professionals, hobbyists, newbies and those who don't even own a camera -- all are welcome regardless of skill, favourite brand, gear, gender or age. Registering and usage is free.