NZDoug wrote in post #5287291
In hindsight, I would have been better off putting money into a savings account.
In hindsight, I would have been better off putting money into a savings account.
Precisely.
Lazmeister Member 191 posts Joined Feb 2007 Location: Melbourne, Australia More info | Apr 08, 2008 18:06 | #16 NZDoug wrote in post #5287291 In hindsight, I would have been better off putting money into a savings account. Precisely. Rick 'with a silent P'
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Apr 08, 2008 18:45 | #17 Jon wrote in post #5287109 Remember, insurance covers your gear when you're out with it as well as when it's at home. Tried wheeling a large safe onto the airplane as you head off on vacation? You beat me to it. I don't see it as an 'either/or' situation, either. The insurance is for when the equipment is out of the safe. The safe is an added measure of protection. While you have insurance, according to some here you don't want to actually make a claim unless it's a catastrophic loss, as you'll have trouble ever getting insurance after that. Website: Iowa Landscape Photography
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argyle Cream of the Crop  8,187 posts Likes: 24 Joined Apr 2007 Location: DFW, Texas More info | Apr 08, 2008 18:55 | #18 takeyourpic wrote in post #5287334 I don't know what your gear is that you use, but honestly I don't see how you could think that paying $350 a year is a large price to pay. Breakage, theft, fire, etc are all risks to your equipment. Then the other issue is liability. I would only hope that liability insurance is included in that policy as well. If it isn't then you might want to change agents. If someone steps on one of your lightstands and the thing comes tumbling down on a grandma and results in her having to go to the hospital who is responsible? You and your equipment that is now broken and uninsured. I am not trying to be harsh with this, but thinking of buying a safe vs. insurance cannot be in your (or anyone else's) best interest. Pay the money and that should put your mind at ease. I am guessing most people would be a wreck if they were not insured while working. Agree. And the coverage usually extends to your computers, software, and value of your images. $350 per year is a small price to pay. It can get expensive if you never file a claim, but its awfully cheap when you do need to file one. Its just another cost of doing business... "Fat, drunk and stupid is no way to go through life, son". - Dean Wormer
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Apr 08, 2008 19:38 | #19  Permanent banI think you all are right. Thank you. Insurance it is.
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