Accidental Protection

Hi guys,

Sorry for posting this thread in this section as I was unsure on which section this question fits.

Is there any way I could buy accidental protection for an used camera gear we buy through a seller?

Thanks!

Personal property policy with your insurance provider.. very affordable

Sounds good. Will it be a hassle to go through that or just submitting/sending pics of the broken item and the purchase receipt would be sufficient? Sorry for the noob questions.

TomCruise06 wrote in post #18385996
Sounds good. Will it be a hassle to go through that or just submitting/sending pics of the broken item and the purchase receipt would be sufficient? Sorry for the noob questions.

You really need to ask your insurance provider those questions.

I agree, each provider and probably policies as well will have different criteria. However, your question is a bit vague. Are you looking to insure the gear once purchased and received or are you looking to purchase insurance for shipping? If it's the latter, there are carriers which will insure the shipment for a fee.

Sorry for the blunt question. I was looking for the Accidental protection plan that is shown for electronic goods in online stores like Amazon, Adorama, etc., So I wanted to know if there are any similar accidental protection plan for camera and lens purchases through forum members or 3rd party. As PhotosGuy suggested I will check with my insurance agent.

Check out a Personal Articles Policy though State Farm.

I've seen a lot of people recommend Hill & Usher over the years:

http://www.packagechoi​ce.com/index.jsp#htwms


Also, I would personally stay away from Square Trade type services. Google them and there are many stories that once a claim is filed it is considered "abuse" and all they are legally required to refund is the initial payment you made. So they essentially sit on your money until you need to file a claim and refund your policy. Might not be 100% of the time but I wouldn't risk it.

eth3rton wrote in post #18409729
Also, I would personally stay away from Square Trade type services. Google them and there are many stories that once a claim is filed it is considered "abuse" and all they are legally required to refund is the initial payment you made. So they essentially sit on your money until you need to file a claim and refund your policy. Might not be 100% of the time but I wouldn't risk it.

Square Trade was acquired by Allstate I think back in January 2017 so when you check reviews also be aware of the dates. For the most part recent reviews (see https://www.trustpilot​.com …/[URL]www.squar​etrade.com) are very positive. There are negative ones of course, and there always will be, and you the decision maker don't know the full story behind the bad reviews.

The camera content is at https://www.squaretrad​e.com/camera-warranty. One thing I would do prior to taking out any Square Trade policy is get clarification on how lenses are handled, especially in a singular purchase from say eBay.

My policy is with Hill and Usher.

Our house/cars are insured with State Farm. I did a forum search when I was looking to insure my gear and SF came towards the top in satisfaction among members here. My agent quoted me $120/year for $9K in gear w/ full coverage against loss, damage, or theft. I am happy with the peace of mind, especially since home owner's insurance doesn't cover the gear by default. SF also allowed me to insure it for a value I was happy with, instead of forcing me to insure for the price paid. Some of my gear has come down in replacement value than what I paid at purchase.