arshuter
Active member
I have started to buy better equipment now I'm putting more thought into this. My family calls me "Shelpie", after Bad Luck Shelprock of Flintstone fame. What is a good insurance to go with? I am in Pennsylvania, USA.
After reading "The 800mm almost killed the D500", I have questions
- Thread starter arshuter
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I get my camera insurance through NANPA (North American Nature Photographer's Association) but many add a rider to their home owner's or renter's insurance to cover camera gear. You might start by contacting your current insurer to see what options they have. But here's info on NANPA membership which includes links to their insurance programs: http://www.nanpa.org
Thern
Well-known member
I don’t know how things are in the US regarding gear insurance but IF they are alike overhere be sure to look for an insurancecompany which doesn’t deduct value for age.
When I total a camera after 6 years I will get the money to buy the same or ,if not anymore available, a comparable (better) camera new.
There are also insurancecompanies who will restitute the current value which is (allmost) zero after 6 years.
Btw I pay 25€ per 1000€ value annually, so after my daughters accident they earned 300€ this year LOL.
When I total a camera after 6 years I will get the money to buy the same or ,if not anymore available, a comparable (better) camera new.
There are also insurancecompanies who will restitute the current value which is (allmost) zero after 6 years.
Btw I pay 25€ per 1000€ value annually, so after my daughters accident they earned 300€ this year LOL.
My only concern about adding gear coverage to a homeowners policy is that a claim for gear can potentially have an impact on your policy. I looked into having a separate policy with a separate company and found that State Farm was willing to issue a policy for gear for personal use. I am not sure if they still offer this policy, but it was worth consideration.
Good luck,
--Ken
Good luck,
--Ken
Palouse
Well-known member
I'm with State Farm. 100% coverage for any reason. Not hit on homeowners policy. BUT: you cannot use the equipment commercially. They have other, more expensive, coverage for that.
arshuter
Active member
I guess 'll have to make some inquiries with insurance companies. My home owners would only do a rider, which if used would effect my rates. Thanks for the help.
fulltimewanderer
Well-known member
Try contacting Hill & Usher @ (866) 977-4725. The insurance company that they recommended for me is Philadelphia. Have had them for years. Had one claim that was handed very professionally. Policy covers pretty much anything and everything plus some. Replacement cost, you can up date your equipment cost every year. So say if you purchased a D4 new and updated your equipment cost and had a total loss you could replace the D4 with a new D6.
I have a personal articles policy with State Farm as well. I’ve had it for years. It’s separate from home owners policy.
SEARCH “camera insurance” There were several posts with many responses about a month ago that I think you will find helpful!
I have a separate policy with State Farm. Very reasonable and update annually based on equipment I own at the time and can adjust coverage amounts as I desire. IE - bodies typically decrease in value faster than good glass!
I joined PPA (Professional Photographers of America) to get their free insurance. It is good up to I believe $15,000. You can add more for a fee.
I also have a personal articles policy with State Farm. I’ve had it for years. It’s separate from home owners policy.