Camera insurance?

[SaoFeng]

I'm looking into camera insurance.

i don't own a home yet, but this year I am looking to buy. I understand I can get homeowners insurance to cover it....but for now...what do i use?

tia

 

[corkyg]

The best deal is usually a Personal Property Floater (PPF) policy. That can be obtained separately, or as an addition to a homeowners policy.

A PPF provides coverage for all personal property, regardless of location of the insured and household residents, including children away at school. Written on an all-risk basis, subject to excluded perils such as war, wear and tear, mechanical breakdown, vermin, and nuclear disaster. Personal property includes clothing, televisions, musical instruments, cameras, jewelry, watches, furs, furniture, radios, and appliances. Coverage can be extended to damage of real property as the result of theft of personal property.

 

[tdawg]

Originally posted by: SaoFeng
I'm looking into camera insurance.

i don't own a home yet, but this year I am looking to buy. I understand I can get homeowners insurance to cover it....but for now...what do i use?

tia

Are you renting currently? My renters insurance covers my camera at home and on vacation, according to my insurance agent. It's a cheap add-on to my existing auto policy.

 

[fuzzybabybunny]

Originally posted by: corkyg
The best deal is usually a Personal Property Floater (PPF) policy. That can be obtained separately, or as an addition to a homeowners policy.

A PPF provides coverage for all personal property, regardless of location of the insured and household residents, including children away at school. Written on an all-risk basis, subject to excluded perils such as war, wear and tear, mechanical breakdown, vermin, and nuclear disaster. Personal property includes clothing, televisions, musical instruments, cameras, jewelry, watches, furs, furniture, radios, and appliances. Coverage can be extended to damage of real property as the result of theft of personal property.

no nuclear disaster insurance?! well wtf am i supposed to do now???

 

[corkyg]

Originally posted by: fuzzybabybunnyno nuclear disaster insurance?! well wtf am i supposed to do now???

Yeah - and there's no coverage for acts of terrorism or revolution. Stay cool!~

 

[TheDrake]

I have mine through state farm, not required to have any other type of insurance with them or own a home. I think its something like $1.20 per $100 per year of coverage and covers practically anything. Accidental damage, loss, stolen, you name it. they even covered my laptop with that as well, but wouldnt do cell phones.

 

[Fardringle]

Originally posted by: fuzzybabybunny

Originally posted by: corkyg
The best deal is usually a Personal Property Floater (PPF) policy. That can be obtained separately, or as an addition to a homeowners policy.

A PPF provides coverage for all personal property, regardless of location of the insured and household residents, including children away at school. Written on an all-risk basis, subject to excluded perils such as war, wear and tear, mechanical breakdown, vermin, and nuclear disaster. Personal property includes clothing, televisions, musical instruments, cameras, jewelry, watches, furs, furniture, radios, and appliances. Coverage can be extended to damage of real property as the result of theft of personal property.

no nuclear disaster insurance?! well wtf am i supposed to do now???

How would they know for sure that your camera equipment had been involved in a nuclear disaster when they've already been "exposed" to steam showers, sand storms, and drops from high places?

 

[virtuamike]

Originally posted by: SaoFeng
I'm looking into camera insurance.

i don't own a home yet, but this year I am looking to buy. I understand I can get homeowners insurance to cover it....but for now...what do i use?

tia

How are you using your equipment?

 

[angry hampster]

Homeowners insurance. I've got every bit of my gear covered, even my spare batts and filters.

 

[dnuggett]

Originally posted by: angry hampster
Homeowners insurance. I've got every bit of my gear covered, even my spare batts and filters.

What deductable?

 

[AndrewR]

I have a Personal Property policy to cover camera equipment, computer gear, jewelry, and Persian carpets. The limits on homeowners (and previously renters) were too low to compensate for the loss of those items (jewelry was limited to $2000, as I recall).

Good reminder though -- I need to send my lens serial numbers to my insurer. Thanks!

 

[SAWYER]

Originally posted by: TheDrake
I have mine through state farm, not required to have any other type of insurance with them or own a home. I think its something like $1.20 per $100 per year of coverage and covers practically anything. Accidental damage, loss, stolen, you name it. they even covered my laptop with that as well, but wouldnt do cell phones.

My sister inlaw works for SF and she was telling me about that plan, sounds too good to be true! I think I will do it.

 

[TheDrake]

Originally posted by: Sawyer

Originally posted by: TheDrake
I have mine through state farm, not required to have any other type of insurance with them or own a home. I think its something like $1.20 per $100 per year of coverage and covers practically anything. Accidental damage, loss, stolen, you name it. they even covered my laptop with that as well, but wouldnt do cell phones.

My sister inlaw works for SF and she was telling me about that plan, sounds too good to be true! I think I will do it.

Yeah, I agree. Its cheaper than pretty much every extended warranty I have seen and those dont cover accidental damage! Best thing about it is that there is $0 deductible

 

[DisgruntledVirus]

As others have said

Either get homeowners/renters insurance (which will cover it in a lot of situations), OR get a rider/floater on the policy for that specific item. The rider/floater will get you whatever amount you insure it for, but obviously at a higher cost.

 

[virtuamike]

Originally posted by: virtuamike
How are you using your equipment?

You need to answer that before getting insurance.