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FORUMS Canon Cameras, Lenses & Accessories Canon EOS Digital Cameras 
Thread started 31 May 2012 (Thursday) 13:20
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Look into insurance for your gear if you havent.

 
mosabi
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May 31, 2012 13:20 |  #1

Not that I've had to use it but I found out today through my insurance company I can put a Personal Articles policy on my Camera Body and 2 lenses for $2.25 a month. This covers absolutely everything, from drops to spills, stolen, damaged in any way and there was no deductible. Wow what a peace of mind!!!!!

I realize homeowners and renters may cover the same but there may be a deductible, maybe not. This is what I did however and I'm happy I did. You just never know when the unthinkable could happen.

Phew ~ now I can sleep at night.


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silvrr
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May 31, 2012 13:29 |  #2

I could not agree more. I had this happen awhile back. Left my bag on the roof of the car after getting my ski gear off. I have rider on my renters through Allstate and pay $9.00 a month for ~$5000 in coverage.

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Less than a week later I had my new 7D and 70-200 and was shooting again. Insurance paid MSRP (From the canon site) + Tax - depreciation (about equal to tax).

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Jonrobinson
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May 31, 2012 16:11 |  #3

I agree. State Farm will do the same thing.


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Cody21
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May 31, 2012 16:55 |  #4

Wow !! < $20 year for $5,000 coverage  ??? REALLY? Does that include THEFT, or just accidental damage? I just added a rider to my existing GEICO homeowners policy for $7,000 coverage (theft included) and it runs me $125/year


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Tom ­ Reichner
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May 31, 2012 19:09 |  #5

Cody21 wrote in post #14512940 (external link)
Wow !! < $20 year for $5,000 coverage  ??? REALLY? Does that include THEFT, or just accidental damage? I just added a rider to my existing GEICO homeowners policy for $7,000 coverage (theft included) and it runs me $125/year

I also find that rate a little hard to believe. I had to drop my insurance because it was simply impossible to continue paying upwards of $13/month. That was way, way, way too high, in my opinion. I'd love to find something reasonable like the $2.25/month that the OP found.


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Saint728
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May 31, 2012 20:24 |  #6

Tom Reichner wrote in post #14513471 (external link)
I also find that rate a little hard to believe. I had to drop my insurance because it was simply impossible to continue paying upwards of $13/month. That was way, way, way too high, in my opinion. I'd love to find something reasonable like the $2.25/month that the OP found.

As the OP said in his other post just like this one, the $2.25 a month only covers up to $1,700.00 worth of gear.

Take Care,
Cheers, Patrick


Canon EOS 1Ds Mark III | 17-40mm f/4.0L | 70-200mm f/2.8L USM | 100mm f/2.8L IS Macro | 300mm f/4.0L IS
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Brendo666
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May 31, 2012 20:40 |  #7

OP mind sharing what company you are using? My gear will not fit into the coverage range that you policy does but maybe for some others it might.


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team ­ haymaker
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May 31, 2012 20:53 |  #8

just remember everyone, if you make ANY money off photos it'll be considered business and that requires a different type of policy


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ender78
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May 31, 2012 20:59 |  #9

I happily pay approx. $10 a month to insure my gear under the Personal Articles policy. For a 50 cent premium, I could even make that "semi pro" coverage. I don't worry about leaving my gear in hotel rooms, I just lock up my memory cards in the hotel safe.




  
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Mikey1
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May 31, 2012 21:16 |  #10

These low premiums require an insane deductible, right?


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mosabi
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Jun 01, 2012 07:31 |  #11

I am with State Farm. There was absolutely no deductible. Yes this is only for $1,700 worth of equipment.


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Mr ­ B ­ Pix
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Jun 01, 2012 08:32 |  #12

For personal coverage, you should be looking in the $1.30-$1.50 range per $100 with $0 deductible and full replacement. This should cover loss, theft, dropping it in a lake, your kid dropping it down the stairs, whatever comes up...

Roughly ~$7000 coverage for ~$100/year


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CincyTriGuy
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Jun 01, 2012 08:45 |  #13

I haven't personally done this (yet) but a few local photographers that I know have said that you specifically want your photo gear insured under an "inland marine" rider.


Jason
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cacawcacaw
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Jun 01, 2012 09:25 |  #14

CincyTriGuy wrote in post #14515701 (external link)
... you specifically want your photo gear insured under an "inland marine" rider.

Had to look the term up. The explanation shows why you might be subject to exclusions on homeowner/renter insurance:
Inland marine insurance indemnifies loss to moving or movable property and is an outgrowth of ocean marine insurance. Historically, ocean marine insurance held the transporter responsible for property loss before, during, and after the completion of the voyage. In the 19th century the non-ocean portion of the journey grew as cargoes were transferred to non-ocean vessels (such as barges) and the term "inland marine" was coined. Despite the word marine, most inland marine coverages are for property on land, with property transported by water insured under ocean marine. ......Inland marine policies became known as "floaters" since the property to which coverage was originally extended was essentially "floating." The coverage has grown to include property that just involves an element of transportation. The property that is insured under inland marine coverage is typically one of the following: Actually in transit Held by a bailee (e.g. as when in storage or under repair - my note) At a fixed location that is an instrument of transportation A movable type of goods that is often at different locations (external link)
A while ago, someone suggested insuring camera gear separately from homeowner/renter insurance policies. Also, I've heard that selling just a few photos can cause your insurance carrier to classify your photo kit as commercial equipment. Most sites have little information and simply recommend contacting a local insurance broker. But, Photo.net (external link) (I'm not a member, they just showed up in a search) offers equipment and liability insurance however, they are only good in the US.

I only believe in paying for insurance when the loss would be catastrophic. For me, personally, it's not worth paying $150 per year to insure $6,000 worth of equipment. However, if I was a professional photographer and didn't have the resources to immediately replace broken or stolen equipment, I'd definitely insure my stuff just to prevent an interruption in work.

Darn, I was kind of hoping that i could find a high-deductible separate policy for only $50 a year or so. I guess I'll check to see what my homeowner's policy offers.


Replacing my Canon 7D, Tokina 12-24mm, Canon 17-55mm, Sigma 30mm f/1.4, 85mm f/1.4, and 150-500mm with a Panasonic Lumix FZ1000. I still have the 17-55 and the 30 available for sale.

  
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cueball
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Jun 01, 2012 09:46 |  #15

:mad:

team haymaker wrote in post #14513848 (external link)
just remember everyone, if you make ANY money off photos it'll be considered business and that requires a different type of policy

+1 Very important detail.

I just updated my inland marine policy with State Farm this week (because I moved). $15,000.00 in coverage across the globe for $288.00 a year. Well worth it IMO. This is with a $100.00 deductible. The premium drops if the deductible is raised.


Canon: 5D Mark IV, EOS R, 35 f1.4L II, 85 f1.4L IS, 16-35 f4L IS, 24-70 f2.8L II, 70-200 f2.8L IS II, 100-400 f4.5-5.6L IS II, 100 f2.8L IS Macro, 2X III, 1.4X III, 580EX II, 430EX
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Look into insurance for your gear if you havent.
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