Camera Insurance

Apologies if this has been asked/answered recently, but I couldnt find anything obvious on my searches.

I am soon to be the owner of a nice shiney new full frame camera, and my hubby is concerned about the cost of replacing it due to accidental damage or theft. Some members here have got thousands of £s worth of equipment, and I was curious do you cover it on your home insurance? or do you buy a special policy? or do you simply hope you are not going to lose it due to theft or damage?

If you insure, can you let me know if its a camera policy or home policy, or if you chose to not insure can you explain why you thought best not to insure.

Many thanks in advance for your advice and insight

T

Here are two threads for you to check out:

• One
• Two

Thank you! Obviously when I used the search I put in " insurance" and neither of these threads appeared!

traceyjj said:

Some members here have got thousands of £s worth of equipment, and I was curious do you cover it on your home insurance? or do you buy a special policy? or do you simply hope you are not going to lose it due to theft or damage?

Click to expand...

If you are a professional, doing work for fees, home owners will not cover it. Then you do need a separate policy.

Otherwise, adding a rider item to homeowners is inexpensive... varies, but perhaps around $1.20 per hundred dollars covered, per year... and covers accidental damage and loss too, replacement value, no deductible, etc. But not wear and tear.

I dropped camera on a lens on a vacation, and Nikon repaired the lens, and I sent bill and original invoice to insurance, and they promptly reimbursed 100%.

Talk to your insurance agent.