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<blockquote data-quote="Joseph Bautsch" data-source="post: 16373" data-attributes="member: 654"><p>Anthony and Bill are right on. Your homeowners deductible could be much more than a lens. My policy has a $1000 deductible but my camera equipment rider has a $100 deductible. Also each insurance insurance company will have their own underwriting requirements and even then the requirements and pricing can change very quickly. Also as Anthony says the homeowners is a named perils policy, not all losses will be covered, and the policy conditions will probably limit the amount of coverage. Different policies will state different amounts. Your camera equipment coverage should be on an all risk rider and even then the rider policy conditions and exclusions will change the coverage. Complicated, yes. The moral of this story is to take this to your insurance agent he will determine your needs and find the best coverage for you.</p></blockquote><p></p>
[QUOTE="Joseph Bautsch, post: 16373, member: 654"] Anthony and Bill are right on. Your homeowners deductible could be much more than a lens. My policy has a $1000 deductible but my camera equipment rider has a $100 deductible. Also each insurance insurance company will have their own underwriting requirements and even then the requirements and pricing can change very quickly. Also as Anthony says the homeowners is a named perils policy, not all losses will be covered, and the policy conditions will probably limit the amount of coverage. Different policies will state different amounts. Your camera equipment coverage should be on an all risk rider and even then the rider policy conditions and exclusions will change the coverage. Complicated, yes. The moral of this story is to take this to your insurance agent he will determine your needs and find the best coverage for you. [/QUOTE]
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