Insurance and protection

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dustydes

Senior Member
Hi

Thinking of insuring my equipment, my home insurance does not cover off my property. I have not yet contacted them to see if they will cover it for an extra cost yet.
My question is: Is there a dedicated insurance company that I can trust, I know I can Google but more heads are better than one :)

Also thinking of marking my equipment with either a security marker or the marking liquid, Crimestoppers Property ProtectorTM


Des
 
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Don Kuykendall_RIP

RIP :(
I was able to get a rider on my home owners insurance to cover all my cameras, guns and jewelry. It covers for theft, breakage no matter where I am and where the equipment is. You set the price and pay based on the cost of the equipment. It is very reasonably priced. I was surprised at how cheap it is.

I am with USAA insurance.
 
nikonpup

nikonpup

Senior Member
check with your insurance agent or agents for a quote. Good place to start is with the agent who has your homeowners policy. Check with a large camera shop, most here will sell you insurance when you buy new or used equipment, i do not know if they insure existing equipment.
 
Eduard

Eduard

Super Mod
Staff member
Super Mod
Don Kuykendall said:
I was able to get a rider on my home owners insurance to cover all my cameras, guns and jewelry. It covers for theft, breakage no matter where I am and where the equipment is. You set the price and pay based on the cost of the equipment. It is very reasonably priced. I was surprised at how cheap it is.

I am with USAA insurance.
Click to expand...

Same here also with USAA.
 
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carguy

Senior Member
I'm in a situation where I am not able to use a homeowners insurance ryder.
Are there any companies that insure personal items such as my camera gear for hobby use (not related to a business)?
 
Eduard

Eduard

Super Mod
Staff member
Super Mod
carguy said:
I'm in a situation where I am not able to use a homeowners insurance ryder.
Are there any companies that insure personal items such as my camera gear for hobby use (not related to a business)?
Click to expand...

Some companies will also allow you to cover camera gear on renter's policies. I did this a few years ago while renting after a relocation.
 
Eduard

Eduard

Super Mod
Staff member
Super Mod
Don Kuykendall said:
I was able to get a rider on my home owners insurance to cover all my cameras, guns and jewelry. It covers for theft, breakage no matter where I am and where the equipment is. You set the price and pay based on the cost of the equipment. It is very reasonably priced. I was surprised at how cheap it is.

I am with USAA insurance.
Click to expand...

After completing my March to FX which included selling my D300 and buying a D800, the net change to my USAA homeowner's camera rider was + $3/year. No brainer.
 
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Steve B

Senior Member
In the US the best approach is a rider on your homeowners policy. As mentioned previously the cost is not that bad considering what you are protecting. Note that you can NOT do this if you operate as a business though. Even if you are operating as a DBA type of business your equipment can't be covered under your homeowners policy. Check with your insurance company. I don't know if this is the same in the UK.
 
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southwestsam

Senior Member
In the UK - most home/contents insurance will have accidental damage away from home as optional extra.

we insured with Sheila's Wheels for home and contents both with accidental damage and £2,500 cover away from home (they include travel abroad) for £166/year. They automatically cover anything £1499 or under (per item) anything over needs to be specified.

different insurers will have different terms so need to check. Always worth going through quidco.com (or similar) though - we got £60 cashback for our policy - almost 40%!
 
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Geoffc

Senior Member
I just did my home insurance with LV in the UK. I paid £75 extra to add £15000 of camera gear with worldwide cover. All of my high value items like the D800 are specified on the policy.

I looked at dedicated insurance and it was around £350 for that type of cover.


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donaldjledet

Senior Member
How about if you don't own a home or rent?
As alot of you know I work over the road so gone more then at home.
When I take a few days off work i stay at daughters place with
grand kids.
 
Eduard

Eduard

Super Mod
Staff member
Super Mod
Donald do you have auto insurance? You can check with your agent to see if they offer a separate "valuable property" or "valuable items" policy.
 
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donaldjledet

Senior Member
@Eduard Thanks never cross my mind about that one.
Cause about 1 1/2 years ago I had my I pad and macbook pro stolen from my truck
and it wasn't covered. Will call them tomorrow and ask.
 
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southwestsam

Senior Member
Geoffc said:
I just did my home insurance with LV in the UK. I paid £75 extra to add £15000 of camera gear with worldwide cover. All of my high value items like the D800 are specified on the policy.

I looked at dedicated insurance and it was around £350 for that type of cover.


Sent from my iPad using Tapatalk HD
Click to expand...

Yeh, see I'm only at about £1800 worth so far. Only £13,200 off!!

They don't charge too much extra for stuff - the mrs engagement ring was £1600 and they only added about £15/year for that which is probably pretty high risk as far as they're concerned!
 
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Geoffc

Senior Member
That £1800 will grow rapidly :)

Admittedly we both photograph in our house so the gear is largely doubled up. Unfortunately it's mainly duplication rather than variety.


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mauckcg

Senior Member
I was just talking about this with my insurance agent today. Just finished printing off the prices from Adorama and B&H to make sure everything important gets covered.
 
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STM

Senior Member
All of my firearms and camera gear are covered under my homeowner insurance but it required taking out additional insurance to cover them. I pay about $10 more a month, money very well spent.
 
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Dave_W

The Dude
Coming from someone who has sold their home and is now living temporarily in a rental home, insurance for my gear was one of the first things I did. My renters insurance completely covers all my camera equipment as well as other things in the house for under $200 a yr. Technically, I'm sure it's costing much more per dollar insured than did my homeowners policy but nevertheless, it's still pennies on the dollar (or quid, for you folks in the UK).
 
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