Basically our personal articles policy is going to cover his camera and any lens and other equipment that goes with it for $1.65 per hundred dollars worth of coverage per year. So, if he had $5,000 in cameras and lens' then you would be looking at $82.50 a year to cover it with NO deductible. In other words, if something happened to any of it (he breaks it, looses it, drops it, cracks it, gets it wet, it gets stolen or whatever else might happen to it) then State Farm will replace it without you being out any
Money. It is a really great policy and very affordable for the coverage that you get. The only thing that would not be covered is if there was a defect with the camera that was the manufactures fault. If ya'll want to do this all I need is a list of what you want covered with the model info as well as the serial numbers. He can also add additional lens or cameras to it as he gets more.
If you decided that you want to do your ring then all I need is an appraisal. The cost for that would be $1 per hundred dollars of coverage per year. So if it appraised for $10,000 then it would cost you $100 a year to insure it. Just like the camera equipment, it would be covered for all the same losses. The only thing not covered would be if the diamond had an inherent flaw. We had a girl whose diamond split down the middle one time. She had insurance on it but it does not cover this. The diamond had a crack in it when she bought it. Other than that, pretty much any thing you can think of would be covered. As with the camera, there would be no deductible to you if something happened to it.
Facebook
Twitter