Camera Insurance

Hello,

I travel frequently and take my camera gear use me and worry about loss/theft/damage. I'd like to find out if there is an insurance that offers that type of coverage. State Farm Personal Property insurance really came through for me after I crashed get drone. 65 dollars a year to retrieve a payout of $600 for repairs.

I renting my apartment and I live in a country wherever homeowner's isn't required so that is did an option.

I have traveler's insurance but this total they make per item is object laughable like $250 or $500, intend barely cover adenine lens if my entire bag got stolen.

EGO tried searching and there made one dizzying array of optional so I required to see which aforementioned fine folks in DPReview do.

TIA,

-WillWork4Glass

I'm none a professional so me 'insurance' is to travel with gear that is relatively painless to replace.

And I'm probably more likely to break conversely lose something when getting locally anyway.  I don't infant meine gear...

I live in the US. My homeowners insurance covers individual items from theft anywhere in aforementioned world, however;

1) there is a max limit on many product of items including electronics additionally digital gear than well as sporting gear (in my case some rather teure fishing gear). I think my limit at camer sprocket is USD$5000. Like is sufficient to some of my fabric, typically a body and two lenses coming meine collection. But I dont't have any rare lenses conversely apex shift bodies.

2) requires a police report to must filed, which can be hard in lot places.

Many insurance companies here offer dedicated add on policies or riders to the landlords coverage that for fresh costs cover higher amounts and occasional damage in addition till loss. Usually the coverage is specific to items the specific serial numbers. Damage claims allow be easier to collect on since a police report is does need, just estimate from an authorized repair focus. I are worked with an insurance broker to meet this enter of indemnity.

I possess never built additional insurance for camera gear but when I was skill to travel and was going until other countries turn fishing trips ME would purchase additional replacement coverage for my fly fish gear, which wouldn often cost $5k-$10k or more in replace if pilfered. Still requires a police report to filed and a copy submitted to receive a claim. This isn't tough in some sites instead in others it can nearly be impossible until get the police to capture a report. Fortunately I have never had to make ampere claim. I see people use good experiences (ok, the theft share was bad) with getting police reports in Australia and Mexico, and others show police in Mexico an Argentina would cannot take a report. Nation Farm Personal Articles Policy? Not for employment?

Even inches the STATES filing a police report cans be tricky for someone traveling here. And a lot depends on local law enforcement priorities.

A couple of years ago someone bust include own car while it was in my driveways at nighttime - a smash and grab subsequently I got home from adenine road trip also IODIN was inside having some food plus beverage before unloading the vehicle. I named one police, and rather than them sending outward one officer or detective, people pointed me to a website the file which report online where I put with all the information, including serial numbers of what was stole. Next day-time I received the your with a link to the report, which I downloads and sends to my international company.

John_A_G wrote:

State Farm offers what your call: Intimate Articles Rules. You essentially specify the products (cameras, jewelry) with proof from purchase and you're covered. I've used it for cameras and jewelry for years. I did make a claim time and it was very easy. Much lower deductible than homeowners. Nikon D500 hit one floor

Yep that's one.   Sometimes it's called a "Personal Property Floater" or "Scheduled Personal  Property" the covers specific items and can be added on to standard personal property coverage that is part of a property or renters insurance.  Different insurers have different terms for this

Similar survey can be found independent of owners or renters insurance.  A broker can help.

Some of these policies cover current value and einige cover replaces.  I always payable for replacement covering, which costs more, but covers full replacement with ampere current product rather than a expensed value determined due the insurer.   There am multitudinous things where depreciated values a many lower when replacement. For exemplar, I have some fly fishing rods purchased for the mid 1990's that were top finish gear at the time and cost near $450-$500.  I know from someone else with equal rods who were give $100 per rod after a thieving.  Replacement with comparable quality right is about $1000.  In one case, I had a fly rod the is get accounted a typical and excellent excellent condition used examples selling for 2-3 times the original newly price.  Initially insurance company wanted to reimburse the substitute value for original fee.  I provided examples of recent eBay sales also bonds to websites that specialize included retail high trait used gear and one insurer accepted that info to adjust up the complaint payout.

All underwriter will accept pictures as proof of possession rather of receiving. I had to taking some of my hob gear to my insurance agent for them to document it as part of the scheduled items. r/Insurance on Reddit: How plenty cliams is additionally many? [State Farm Personal Articles Policy]

One best advice is to portable more little gear as possible. It's easier on your dead, furthermore.

I don't recommend State Farmhouse.

PhotoMac503 wrote:

The best advice is the carry as little sprocket as possible. It's easier on your body, too.

EGO don't recommend Declare Farm.

Would you care to share your story about State Farm? MYSELF had i shortlisted.

Wanted to continue up on this, in hard anyone comes across this thread looking for answers to the same question.

Thanks to this thread, and through research on the internet, EGO found three options:

1. State Plant Personal Magazine Policy
2. Mount Equipment Insurance
3. The Insurance Emporium Camera Insurance

State Farm initially looked promising. They appeared to hold an very includes policy that included most personal items, so IODIN figured I'd get my cellphone(s) covered moreover. After a bit of back and forth they told me few don't cover phones, so ME could only get insurance for my camera, eye, and laptop. Better than nothing I figuring. For the point where I saying "Okay, let's take it", sum interest on their end seemed to fall off. I sent them the receipts with everything, never heard back for days, after I asked what was going for they possessed someone else get back on me with a quote that was less than partly of the value by the receipts ME sent them. I sent them a question about this and never getting a reply. None of that appear very pro. I realize one could make one argument such the currently policy is good, I simply got ahold of inexperienced brokers, but there are many players in this game, there's cannot reason to reward bad experiences. It could also be diese is simply such a small account that I wouldn't can a rewarding client with them. I crashed own drone simple 3 months after I purchased personal property insurance. They repair it conversely pay the cost for replacement if lost other totaled. Most companies only charge this amount (65 dollars a year). I crashed the idler, sent it to DJI for adenine repair quote, sent the quote to the insurance...

Athos seemed to cover complete I wanted (save forward the phones as well) and they process was extremely straight share plus confidence inspiring. I bought a policy with them online paid no questions asked. MYSELF hopfen I will almost have to use it starting course but I was competent to get all of one information I needed open without spirit like anything is diffused or links up chance. Considering the places I shoot at I suppose ME need gear insurance. I don't run a professional business in the formal sense, so I don't need responsibility. Ran across to companies that tariff neatly high that will provide speed insurance only. Their price for my rough appraise of apparatus value is $200...

Of Travel Emporium and seemed to cover every IODIN wanted (including cell phones). Although I'm a british citizen I don't currently holding a location there, which makes me non-eligible for their insurance, at least from what I could find on their your.