Camera insurance in the US

After reading the insurance in the UK thread, I was interested as to what options are available here in the states.

I got mine as a rider policy on my home owners insurance. It is like $13 for every $1000 worth of equipment. It covers against dropping it or getting it wet and some other stuff but those were the 2 items I was concerned with.

Personal Articles Floater, aka Inland Marine. Check with whoever handles your other insurance policies; they will probably give you a "frequent buyer" rate.

Be sure that you get full replacement value.

What Happens If A Claim Is Filed With Photography Insurance?
https://photography-on-the.net …/showthread.php​?p=2480763

Insurance question(s)...
https://photography-on-the.net …/showthread.php​?p=2129203

I recently got a policy through the NANPA membership:
http://www.nanpa.org/i​nsurance.html

I contacted my insurance agent and got a seperate policy. $10 for every $1000 worth of equipment. Full replacement value, drop it, loose it, someone steals it and it is covered.

Do not get this as a rider to your home owners. If you have to make a claim it goes against your homeowners insurance. One bad season for them or too many claims by you and any claim could raise your deductable. Do you really want a $500 lens replacement to raise your deductable to say $1000 and then have a tree branch come crashing through your roof?

I got a policy from whoever does my renters insurance, (not a rider, a separate policy) it was something like $200 for the year for coverage up to an insane amount (next year i'll have a list prepared, I can save money if I have a list with values). Covers full replacement etc etc. I have not had a reason to use it so I don't know how well the insurance company would actually hold to the policy, but I don't expect to need it, thats why it covers accidents (and theft)!

I was advised NOT to do a rider on a homeowner policy. Very few (if any) homeowners policies will pay "replacement cost". Also, I was told that a rider policy will not allow you to add an additional "Loss Payee" such as an equipment rental company to allow you to rent high-end equipment (at least MINE would not).I purchased a policy through Travelers Insurance, and for only $500/year I receive two-million dollars of liability coverage (per occurance, 4-Million aggregate) and twenty-thousand dollars of equipment coverage at FULL REPLACEMENT value with a $250 deductable!! I compared a LOT of policies...and this one was far and away the best coverage for the money. The best thing about it is, you're NOT required to pay a dime up front...I was issued a binder number as soon as I finished the paperwork.Its has already paid for itself five-times over...my computer died, and I received a check before I even sent in my first premium!!