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04/06/2010 08:39:58 PM · #1 |
I need to get insurance for my camera gear. I've been shopping around, but I figured I'd ask what you all have. I travel internationally a lot and I am actually moving to Malawi at the end of the month. I'll need international coverage for around USD$10,000 worth of gear. I don't own a house/car/anything else, so I can't tack my gear onto another policy.
Who do you have for gear insurance? About how much is your premium? Who would you recommend for me?
Thanks guys! |
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04/06/2010 09:02:51 PM · #2 |
| I use Traveler's Insurance. I have about $15k of equipment insured for $550/yr |
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04/06/2010 09:39:01 PM · #3 |
I have a "personal articles" policy with State Farm which covers lost, stolen or broken camera equipment. They charged about $10 per $600 value I think, with no deductible. I had to provide my sales receipt to verify the cost of the equipment. I have no idea if they have a policy if you live outside the US though. Good Luck finding a policy!
Edit to correct cost of insurance.
Message edited by author 2010-04-06 21:46:58. |
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04/06/2010 11:31:39 PM · #4 |
$550? Really? That seems really high...is it part of your homeowners or a separate policy?
Originally posted by yanko:
I use Traveler's Insurance. I have about $15k of equipment insured for $550/yr |
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04/06/2010 11:57:23 PM · #5 |
| mine is covered by my homeowners insurance, anywhere in the US. We checked when we traveled to ALBQ last Fall. I was told I don't need to get a separate policy as it's covered. No extra cost. |
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04/07/2010 12:02:34 AM · #6 |
Originally posted by wizardry:
$550? Really? That seems really high...is it part of your homeowners or a separate policy?
Originally posted by yanko:
I use Traveler's Insurance. I have about $15k of equipment insured for $550/yr |
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That does sound high...I pay less than that for my car insurance. Maybe I'm lucky.
Ray |
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04/07/2010 12:05:53 AM · #7 |
Originally posted by RayEthier:
Originally posted by wizardry:
$550? Really? That seems really high...is it part of your homeowners or a separate policy?
Originally posted by yanko:
I use Traveler's Insurance. I have about $15k of equipment insured for $550/yr |
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That does sound high...I pay less than that for my car insurance. Maybe I'm lucky.
Ray |
Ya, I agree, unless it's for a business. I had $5,000 worth of equipment insured through a rider on my homeowners for like $3/month. |
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04/07/2010 12:18:05 AM · #8 |
| The kicker is "Do you use your equipment as a professional?" If yes, the prices go up dramatically, at least they did during my fact finding. |
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04/07/2010 04:56:38 AM · #9 |
Originally posted by wizardry:
$550? Really? That seems really high...is it part of your homeowners or a separate policy?
Originally posted by yanko:
I use Traveler's Insurance. I have about $15k of equipment insured for $550/yr |
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I forgot to mention it's a business policy, which also includes personal injury, property damage coverage, etc. |
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04/07/2010 05:03:42 AM · #10 |
Originally posted by mpeters:
The kicker is "Do you use your equipment as a professional?" If yes, the prices go up dramatically, at least they did during my fact finding. |
exactly. If you do, you can claim the professional damage (lost business) along with replacing the equipment. The ramps up the price. |
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04/07/2010 05:57:47 PM · #11 |
Thanks guys! I'm still trying to figure all this out. It seems like I might still be considered a resident in the States while I'm over in Malawi due to paperwork mumbo-jumbo, so that might work in my favor. I will probably be getting a "professional" package since I'll be working various photography jobs while I'm abroad. Sounds like that will jack my prices up a lot! Yikes.
If anyone else wants to pitch in what type/company/etc they have for their insurance, please do! |
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04/07/2010 06:14:42 PM · #12 |
Originally posted by bergiekat:
mine is covered by my homeowners insurance, anywhere in the US. We checked when we traveled to ALBQ last Fall. I was told I don't need to get a separate policy as it's covered. No extra cost. |
Might want to check what happens to your home insurance rates if you make a claim for your camera gear on that rider.... might not be as cheap as you think..... |
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