Insurance - Separate policy or house contents?

S

SteveH

Senior Member
Hi All,
Since buying my 70-200 f2.8, I have become more aware of the value of my kit, and I wonder if I should look at separate insurance, or just stick to including it under the house insurance - I'd really like theft & accidental damage cover both home and abroad - The house insurance covers the items to a basic level, but I do wonder what they would say if for example my bag was stolen abroad - They cover individual items up to a certain value, but if the whole bag is nicked, is that one item totalling the value of the contents and therefore not covered?

I will call my home insurance provider and get a quote etc, but I wondered what other people do, and if anyone in the UK can recommend a good 3rd party company?

Ta!
 
P

paul04

Senior Member
I do have cover for my camera gear on the house insurance ( doubled check when I renewed)
Yes, give your insurance company a quick call and see what they say.
 
R

Rick M

Senior Member
Request a specific rider for your photo gear. Mine is covered for any loss/damage with no deductible. Your "general" policy will not cover as well.
 
R

Ruidoso Bill

Senior Member
If you sell any of your photo work a home owners policy is out, won't cover your gear. Commercial insurance is expensive but if you sell it is a cost of doing business.
 
R

RocketCowboy

Senior Member
As Bill mentioned, at least here in the US, if you sell any of your photographic works then it's considered commercial equipment and not covered under the homeowners policy. At least, that's what my insurance agent told me when we renewed in December.

Insurance is very likely different in the UK, so your best bet is to check with your agent.
 
R

Ruidoso Bill

Senior Member
SteveH said:
Hi All,
Since buying my 70-200 f2.8, I have become more aware of the value of my kit, and I wonder if I should look at separate insurance, or just stick to including it under the house insurance - I'd really like theft & accidental damage cover both home and abroad - The house insurance covers the items to a basic level, but I do wonder what they would say if for example my bag was stolen abroad - They cover individual items up to a certain value, but if the whole bag is nicked, is that one item totalling the value of the contents and therefore not covered?

I will call my home insurance provider and get a quote etc, but I wondered what other people do, and if anyone in the UK can recommend a good 3rd party company?

Ta!
Click to expand...

I didn't notice you were from UK, no idea there, like Charlie said check with your agent
 
S

SteveH

Senior Member
Thanks for your responses folks - I don't sell shots, but I would be open to it in future so I will call my house insurance and also maybe get a quote from specialist companies.
 
Top