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Thread: insurance

  1. #1
    Old School Wayne
    Join Date
    Dec 1999
    Posts
    1,255

    insurance

    How do you insure your equipement when travelling. I'm heading out on a month long trip now and another couple month trip later. I'll be bringing not only 3-4 K (replacement value) of photo gear but another couple G in computers and musical instruments. My agent offered me only that I could drop the deductible on my house policy to $500 and then I would be covered. This would cost a considerable amount, nearly doubling my premium, but it appears to be my only option. I have yet to ask him if I can do this only during periods I am travelling, which would make it more reasonable. Right now I would eat the whole thing if anything happened because I have a $5000 deductible and it only covers depreciated value of personal belongings. Any other ideas to cover $5-6000 worth of stuff for its replacement value? I'm going to be camping most of the time.

  2. #2

    Join Date
    May 2006
    Location
    Eagle Bay, B.C. Canada
    Posts
    142

    Re: insurance

    Don't know, but I'm also interested in any replies. My insurance agent told me the same as yours told you.

  3. #3

    Join Date
    May 2006
    Location
    grand rapids
    Posts
    3,844

    Re: insurance

    I have a separate zero deductible photo equip. policy that's based on the amount of $ you have your gear insured for. I pay a percentage based on using the gear as a "amatuer" only. It's a higher % for pro use. My agent keeps a list of gear and serial numbers. The policy is cheap and covers loss/and or damage of any kind.

  4. #4
    Old School Wayne
    Join Date
    Dec 1999
    Posts
    1,255

    Re: insurance

    What company do you use Vinny? Maybe I need to farm this out to a different agent

  5. #5
    Old School Wayne
    Join Date
    Dec 1999
    Posts
    1,255

    Re: insurance

    Found out Allstate offers a personal belongings floater to a home policy that is just what I'm looking for. Unfortunately my policy is with Farmers, and they dont offer one. Might be time to shop around for a new home policy, because this is ridiculous. My Farmers agent said I could pay just for the time its being used, but it would still end up being 3x as expensive as the floater if I use it more than 4-6 weeks.

  6. #6

    Join Date
    Aug 2006
    Location
    Milford Pa.
    Posts
    2,923

    Re: insurance

    i have renters insurance....maybe home owners is the same. anyway i am covered up to 15K. costs me 125/year. i checked on my camera gear and climbing gear. both are covered without a rider. keep your receipts or be able to show the replacement value.

    i had to make a claim several years ago for an overseas loss....no problem. i provided the receipts they paid....and very fast. it was a wonderful experience (to replace my stuff that is).

    good luck.

    eddie
    My YouTube Channel has many interesting videos on Soft Focus Lenses and Wood Cameras. Check it out.

    My YouTube videos
    oldstyleportraits.com
    photo.net gallery

  7. #7

    Join Date
    Sep 2003
    Location
    Socorro, NM
    Posts
    187

    Re: insurance

    Last October I lost all of my brand new digital SLR equipment and 4 lenses when the raft they were on flipped on the Colorado river and were damaged beyond repair (the only flip we had among 4 boats in 24 days). My policy with Allstate reimbursed me for 100% of everything I lost (over $5K). The policy requires that I list all equipment individually with serial numbers and that new items get on the list within 15 or 30 days of purchase. Allstate was great to work with and once I turned in the paper work I had a check within a week. (Footnote: the camera gear was in a "waterproof camera bag" by a well-known manufacturer, but the bag failed.)

  8. #8

    Join Date
    Aug 2006
    Location
    Milford Pa.
    Posts
    2,923

    Re: insurance

    good to hear you got your money don.

    when i travel in a small boat i use a 5 gallon pal type enclosure for my cameras....it floats too.....
    My YouTube Channel has many interesting videos on Soft Focus Lenses and Wood Cameras. Check it out.

    My YouTube videos
    oldstyleportraits.com
    photo.net gallery

  9. #9

    Re: insurance

    I've got some old stuff that I don't need, can you tell me what the number of that raft was?

  10. #10

    Join Date
    Jul 2006
    Location
    Long Beach, CA
    Posts
    328

    Re: insurance

    Quote Originally Posted by Turner Reich View Post
    I've got some old stuff that I don't need, can you tell me what the number of that raft was?
    VS Naipaul in 'The Mystic Masseur' uses the word for that process in Trinidad for housing:insurandburn." So here it should be 'insurandunk' or something!

    It is not unheard of for photographers to gang up the losses below the deductible, the light meter lost here, and the stand left there, and then declare them as lost the next time something goes missing that puts them over the deductible.

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