Camera Insurance

Just wondering if any of you have camera insurance and who you use? I used my local company but they have went up on my plan even with me not having a claim for the thee years I have had them

Thanks for any suggestions

I put a replacement cost rider on my State Farm home and auto policies. Paying about $10 a month for $15k coverage.

I use to have a rider with my home owners policy but dropped it a few years ago. I think I was paying about $150 a year or there about.

I use State Farm Insurance and a stand alone policy that is not tied to any other policy. The costs is $148 per year and is a no fault new replacement value. Had this for several years now and it really is peace of mind when you have so much $$ tied in gear. Fortunately, I've not needed it.

I have a rider on my home owners Policy also, I think it’s a couple of hundred dollars a year with a $500 deductible. I hope to never use it but it’s there incase. It covers pretty much everything damage, theft, etc. The only thing it doesn’t cover is a war or a nuclear explosion.

JM45ACP wrote in post #19114403
I have a rider on my home owners Policy also, I think it’s a couple of hundred dollars a year with a $500 deductible. I hope to never use it but it’s there incase. It covers pretty much everything damage, theft, etc. The only thing it doesn’t cover is a war or a nuclear explosion.

And under those circumstances, your camera being destroyed would be the least of your problemsߘ

In view of so many homeowner policy companies not offering renewal policies (risk of fire, risk of tornado/hurricane), and this happening more and more as major natural disasters cause massive scale of losses in many areas, I prefer NOT to have an addon rider on my homeowner policy. Imagine someone steals your camera bag while on vacation, you put in a claim for $12k in stuff, the insurance company pays the claim, but then next year they will not offer to renew coverage of your home!

There are Personal Articles Floater policies that you can get, seperate policy number. with a loss against this policy, there is zero recourse for the company to not insure your house next year. And no increase in premium to insure your house.

Update: I will be adding the Canon 3 year warranty when I pick up my 5D IV next week. Insured with home owners insurance. I have a locked, climate controlled room for my cameras and lenses.