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<blockquote data-quote="johnwartjr" data-source="post: 16348" data-attributes="member: 2176"><p>If your gear is insured, how did you go about doing it?</p><p></p><p>Some sort of rider on a homeowners or renters policy?</p><p></p><p>Some sort of 'specialized' insurance?</p><p></p><p>I spoke to the agent who has my auto insurance the other day, and they wanted me to get the information on my homeowners insurance and bring it in, along with a list of serial numbers and replacement costs of my equipment. I'm going to talk to them, but my homeowners is escrowed in with my mortgage and with a different company, and moving it becomes a pain when the potential new insurance company wants to come out and look at my property, etc. </p><p></p><p>I would like to insure things against theft and destruction, regardless of whether the destruction happens if my house catches on fire, floods, etc or if I fall in a lake taking a picture. The theft coverage would need to cover all aspects of theft - someone breaks into my home and takes it, I get mugged, someone pops the trunk of my car, etc.</p><p></p><p>I need to get coverage that will cover my gear, whether I am using it for business or personal uses. Most of the time, I'm shooting what interests me - but from time to time, I do sell a print, or do an engagement session, or things like that and I may be taking on more work as time passes, so I don't want to be strictly locked into one or the other. Just need to be 'covered'.</p><p></p><p>While I *am* going to speak to my agent, I would like to talk to others about this too, so I can be as educated as possible. </p><p></p><p>Any thoughts or discussion is appreciated.</p></blockquote><p></p>
[QUOTE="johnwartjr, post: 16348, member: 2176"] If your gear is insured, how did you go about doing it? Some sort of rider on a homeowners or renters policy? Some sort of 'specialized' insurance? I spoke to the agent who has my auto insurance the other day, and they wanted me to get the information on my homeowners insurance and bring it in, along with a list of serial numbers and replacement costs of my equipment. I'm going to talk to them, but my homeowners is escrowed in with my mortgage and with a different company, and moving it becomes a pain when the potential new insurance company wants to come out and look at my property, etc. I would like to insure things against theft and destruction, regardless of whether the destruction happens if my house catches on fire, floods, etc or if I fall in a lake taking a picture. The theft coverage would need to cover all aspects of theft - someone breaks into my home and takes it, I get mugged, someone pops the trunk of my car, etc. I need to get coverage that will cover my gear, whether I am using it for business or personal uses. Most of the time, I'm shooting what interests me - but from time to time, I do sell a print, or do an engagement session, or things like that and I may be taking on more work as time passes, so I don't want to be strictly locked into one or the other. Just need to be 'covered'. While I *am* going to speak to my agent, I would like to talk to others about this too, so I can be as educated as possible. Any thoughts or discussion is appreciated. [/QUOTE]
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