Just retired, buying motor home, hitting the road

Any advice on the need for special insurance on photo gear?

You should call your home owner's insurance and see with them. Different companies have different policies. But it is imperative that you check with them. You might have to pay a fee for accidental damage or loss and the amount will vary with the deductible you have.

My friend's wife just lost her canon G5 X and their home insurance paid for replacement less the deductible.

I have a supplemental policy with State Farm and it is $1.60 per hundred. I have never needed it but if i ever do it will be worth every penny I have paid.

Are you using your gear for income, or purely as a hobby? If just a hobby, the home insurance is the way to go.


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Check out getting a rider policy for all of your valuable that you wish to insure. Also be mindful, that your motor vehicle insurance may need to be changed to cover photo gear.

WM