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DPChallenge Forums >> Tips, Tricks, and Q&A >> I dropped my camera bag in the lake!!
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 04/18/2006 12:24:36 PM · #1
But at least it floats:) I'm kidding, but what if it happened? What do some of you recommend for theft/damage insurance? A previous thread discussed adding equipment insurance to a homeowners policy, but...

I have a quote to add an endorsment to my homeowners policy but i hesitate to do that as any claim could impact the policy premiums over time more than the actual value of the damaged equipment.

Any suggestions? I estimate $5000 coverage, low deductible(if any), and coverage for theft/damage/etc.

Thanks in advance.
 04/18/2006 12:32:17 PM · #2
buy the LowePro dryZone backpack, 100% waterproof and it does float ;)

I have my equipment insured for about $20.000 and I pay about $320 per year

I'm insured against everything from waterdamage to nuclear wars ;)
 04/18/2006 12:33:32 PM · #3
A pelican case. Hard. Protects extremely well. Watertight. Floats. :-) I love mine. :-)

Doug
04/18/2006 12:37:40 PM · #4
i say life's a gamble

if i could afford waterproof, bulletproof, volcanoproof bags and insurance i'd have nicer equipment

:)
 04/18/2006 12:47:40 PM · #5
Originally posted by dswebb:
A pelican case. Hard. Protects extremely well. Watertight. Floats. :-) I love mine. :-)

Doug


Rummor has it that to float it needs to be closed and locked - not lying flat or open so you can get stuff out :-) Great boxes for transporting stuff but I found them too much of a hassle for normal use.
 04/18/2006 01:03:00 PM · #6
Your subject title scared the piss out of me thanks alot!
 04/18/2006 01:19:38 PM · #7
Robs

To be fair, any waterproof container has to be properly sealed for it to be properly waterproof!!! That goes for the Lowepro Dryzone too!

I looked at both Pelicans and Lowepro Dryzone rucksacks a while back.

Pelican Pros
- Bloody strong cases which will really protect your gear whilst travelling
- Lifetime warranty (I believe)

Pelican Cons
- Not exactly convenient for carrying about when on the go... there is one model that comes with a roller system, like a cabin-luggage suitcase, but that's not much good for when you're off the street
- Not as useful an all-round carrier as a rucksack with it's various compartments and zip pockets and so on

Lowepro Dryzone Pros
- Very portable, can keep both hands free whilst walking around
- Sturdy, good internal layout
- Can store more than just your camera gear - i.e. wallet, hat, sunblock, sunglasses etc.

Lowepro Dryzone Cons
- Waterproof seal a pain to open and close (though you do not need to close this seal each time you open/ close the bag - only when you want the contents to be fully waterproof protected)
- Not AS protective as the Pelican - can't withstand someone standing on it for instance
 04/18/2006 01:49:09 PM · #8
Originally posted by Kavey:
)
- Not AS protective as the Pelican - can't withstand someone standing on it for instance


with over $10.000 in my DryZone WHY would I want to stand on it ?

I'd probably eradicate the person that would try to stand on my gear, even before checking to see if something got damaged ;)

04/18/2006 02:15:44 PM · #9
Originally posted by DanSig:
Originally posted by Kavey:
)
- Not AS protective as the Pelican - can't withstand someone standing on it for instance


with over $10.000 in my DryZone WHY would I want to stand on it ?

I'd probably eradicate the person that would try to stand on my gear, even before checking to see if something got damaged ;)


I used to use my (big) Pelican cases as stools to get more elevation when shooting :-)

R.
 04/18/2006 02:42:48 PM · #10
I worked as the "IT Manager" for an insurance company for just a tad over one year. It was the worst year of my life. The people who run that company are the most horrible people I've ever met. And when I say horrible, I mean horrible to the bone.

I had the dubious honour of being required to attend management meetings twice a week. They were dubbed the "Anti-motivational Meetings". The highlight for me was watching the spit fly out of the CEO's mouth as he screamed about how we were in the business of making money, not giving it away.

I eventually decided the toxic environment wasn't worth it, and I quit. I'd never quit anything before in my life, but it was one of the best decisions I've ever made. They offered me a raise to stay, but nothing could keep me there.

I hate insurance. IMO, insurance is a scam. Insurance makes me angry.
 04/18/2006 03:04:38 PM · #11
Originally posted by Strikeslip:
The highlight for me was watching the spit fly out of the CEO's mouth as he screamed about how we were in the business of making money, not giving it away.


you should have given him the "Incredibles" treatment, let him fly through several walls ;)
 04/18/2006 03:23:50 PM · #12
From my inside experience, insurance is bad, and the people who run insurance companies are worse.

Evil, pure evil.
 04/18/2006 03:37:58 PM · #13
Originally posted by Bear_Music:
Originally posted by DanSig:
Originally posted by Kavey:
)
- Not AS protective as the Pelican - can't withstand someone standing on it for instance


with over $10.000 in my DryZone WHY would I want to stand on it ?

I'd probably eradicate the person that would try to stand on my gear, even before checking to see if something got damaged ;)


I used to use my (big) Pelican cases as stools to get more elevation when shooting :-)

R.


Heh, heh, heh - don't get me wrong - I'd not be too gentle on the shit-for-brains who stood on my camera bag either!

I was thinking a) of times when I've left the bag on the ground whilst shooting nearby and someone has accidentally stumbled nearby (thus far never onto my bag) and b) of uses such as Robert mentions - using the case to get more height!
 04/18/2006 04:11:24 PM · #14
Originally posted by Kavey:
Lowepro Dryzone Cons...

Also, despite the fact that it floats, the instructions make it clear that it's not to be used as a floatation device. So when you DO fall in the lake, you're not allowed to hold onto it...
 04/18/2006 05:42:53 PM · #15
I think my inattention to this thread let it get off topic :) A good discussion about camera cases though ;)

Generally I too have a negative view of insurance. But, would the 100-200$/year be well spent in case I dunk my equip or drop it? Or should i just be careful and hope for the best?

And should i go with the endorsment on my homeowners policy if i choose to insure?

04/18/2006 05:55:37 PM · #16
$73 a year for $5K rider on homeowners policy.
 04/18/2006 05:58:28 PM · #17
Originally posted by The Eskimo:
$73 a year for $5K rider on homeowners policy.


i was quoted 100$ so seems reasonable. Do they cover any damage?
 04/18/2006 07:27:26 PM · #18
I dropped my d70 in a river a couple months back. It was replaced with a brand new d70s using Ritz Camera ESP that I had purchased with the camera.
 04/18/2006 07:45:44 PM · #19
for a while had a seperate insurance policy, for my camera and gear and laptop. For 500. or so a year even if i just forgot it somewhere they would replace it all, with no deductable.
 04/19/2006 04:27:49 AM · #20
Originally posted by mpeters:
Originally posted by The Eskimo:
$73 a year for $5K rider on homeowners policy.


i was quoted 100$ so seems reasonable. Do they cover any damage?


I'd have to look at the policy but assume it does, but that could be a dangerous assumption.
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