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FORUMS Photography Talk by Genre General Photography Talk 
Thread started 08 Sep 2009 (Tuesday) 17:41
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Camera Insurance

 
Invertalon
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Sep 08, 2009 17:41 |  #1

I was questioning whether it was worth it to insure my gear or not. I don't have that much, but it is enough to "end" my camera usage for a while to build it back up.

I would get covered my Rebel XSI, 70-200mm IS & 17-85mm IS. I also have a 50mm 1.8, bag, SD cards, etc... But I read that I might not be able to claim under $100...

I am going to get the rates later this week for everything, but how do you feel about getting it all covered? My main fear is theft, or damage. I carry all my gear at once with me usually in my backback, so if somebody wanted to, they could snatch it all from me... But not after a fight of course. :p

Secondly, I bought all of my gear second hand. Will the insurance company (state farm) need receipts, etc... Would paypal payments do plus the serial numbers?

And finally, is it easy to switch coverage to other items? Like if I would sell a lens, buy a new one, replace a lens, etc?

Appreciate the info!


-Steve
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mikekelley
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Sep 08, 2009 18:05 |  #2

I'm going to follow this thread. I just graduated college and I have no idea where to start with insuring my stuff.


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robbug
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Sep 08, 2009 18:12 as a reply to  @ mikekelley's post |  #3

Ummm - it should be worth it. Depending on your insurer that is. I have USAA and I have my gear fully insured up to full replacement cost. I would think that your 70-200 alone is worth the insurance. It also depends on how comfy you feel with your gear - i.e. do you hang out in studio conditions or do you repel off canyon walls with your gear swinging behind you.

It cost me 64 bucks a year to fully insure my gear. Might want to look into it.

Rob

ps - most homeowners insurance policies can be updated with specific rider policies to cover high dollar items for a nominal annual fee. I believe renter's insurance would also have add on policies. For those not renting/owning a house you could still get a renter's policy on your household goods and then get a rider policy - don't quote me on that but I am almost positive that is the case.


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Todd ­ Lambert
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Sep 08, 2009 18:22 |  #4

I too have mine insured with USAA - I've got all my gear plus computer equipment (laptops) covered - total insured is $15K.

Well worth the money to have peace of mind. I spend a lot of time on the wrong side of the tracks, so this makes it easier to not worry about things so much.




  
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mrfixitx
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Sep 08, 2009 20:40 |  #5

I got a personal articles policy from state farm. It ends up being like $1.00 per $1,000 insured per month. To me its well worth the peace of mind because if all my gear was destroyed/stolen I would be unable to replace most of it without resorting to credit.


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michael1965
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Sep 08, 2009 20:43 as a reply to  @ Todd Lambert's post |  #6

I strongly recommend you insure your gear.

I have my gear insured with the same company I have my renter's insurance with, and I've been happy with it. You can shop around, call agents, and get the best deal for your budget. As I advised a co-worker recently, on renter's insurance, don't cheap out on the insurance. Go for coverage that will pay you replacement cost for the gear, not what it is worth.

Once you get it insured in the off chance you do get into a situation where it looks like your gear might get stolen, let it go. It's insured. That's what insurance is for.

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Michael




  
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asysin2leads
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Sep 08, 2009 22:41 as a reply to  @ michael1965's post |  #7

I have mine insured through Hill & Usher (underwritten by The Hartford). Also, check out "Similar Threads" at the bottom of the page and POTN search. This has been discussed quite a bit.


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Exposure101
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Sep 08, 2009 23:58 |  #8

Depending on the company, some do require receipts and some don't. For example, I have about $5k+ insured with state farm and they first didn't require receipts but later did when I sold a camera and bought a new one. It's pretty cheap through them.




  
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tfd888
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Sep 09, 2009 00:29 as a reply to  @ Exposure101's post |  #9

It is definitely worth insuring your equipment and I would strongly recommend it.

I have mine under a State Farm personal articles policy.
Cost depends on if you are using your equipment for professional use or not (if you make any money from your gear, it is considered professional use). Mine was somewhere around $1.75 per $100 of equipment value per year with a minimum payment of $30 a year. No deductible and I'm covered on everything except for wear and tear.
They asked for serial no. and links to current market replacement values for the items I wanted to insure.

Real simple and worth it.


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CosmoKid
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Sep 09, 2009 10:52 |  #10

Insured through USAA. ~$5400 in coverage for $308/year. Well worth it in my book.

No need to fight off a mugger just to save "stuff". No need to worry about dropping anything since it is covered.


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cruso
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Sep 09, 2009 12:06 as a reply to  @ CosmoKid's post |  #11

does anyone in the u.k know of any insurance companys?


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Invertalon
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Sep 09, 2009 14:10 |  #12

I got a quote today for my equipment... For $2000 worth of stuff, it will be $29/yr through state farm. $1.49 per $100. Covers theft, damage, etc... All but mechanical failure.

I will be getting on this plan next week, for sure. No limit on what to insure. So I will be adding my camera bag and such.

Price is better than expected!


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usukshooter
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Sep 09, 2009 14:23 |  #13

cruso wrote in post #8612510 (external link)
does anyone in the u.k know of any insurance companys?

You may be able to include it in your home contents insurance.


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1move
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Sep 09, 2009 15:33 |  #14

i insured mine under my home insurance as a sub-item, however it does not cover anything under $500 but it covers everything else major so i am happy and it also covers me dropping it, neglegance, absolutley everything for $3 per month


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