robert_dare Posted July 11, 2009 Share Posted July 11, 2009 <p>Hello All,<br> I'm preparing for a trip to South Africa and am interested in taking out an insurance policy on my camera equipment. Does anyone have any experience on this? Can someone recommend a provider?<br> Thanks,<br> Robert</p> Link to comment Share on other sites More sharing options...
brucecahn Posted July 11, 2009 Share Posted July 11, 2009 <p>They offer a discount to members of this site. I already had coverage with Hill & Usher, so I have not used it. Has anyone had any experiences with it?</p> Link to comment Share on other sites More sharing options...
joseph_smith3 Posted July 11, 2009 Share Posted July 11, 2009 <p>Check with your homeowners insurance carrier. See if they offer it thru a personal effects policy. Most do ans coverage applies if you are not a commercial photographer. Joe Smith</p> Link to comment Share on other sites More sharing options...
harold_motte Posted July 11, 2009 Share Posted July 11, 2009 <p>Your homeowners or other insurance companies offer what is called an "Inland Marine" policy specifically for<br> such things. It usually runs around ten dollars per thousand of coverage. Be sure and get replacement coverage with no deductable.<br> Do a search on replacement costs of each individual item and where you got the prices and take that to your insurance company.<br> They can write it the same day. Be sure and pay the whole annual premium up front, otherwise they charge you a fee for quarterly payments.<br> Nationwide is who I have mine with.<br> Best wished,<br> Harold</p> Link to comment Share on other sites More sharing options...
Larry_G1664882113 Posted July 12, 2009 Share Posted July 12, 2009 <p>Schedule the insurance of cameras and photographic equipment with your homeowners insurance policy. </p> Link to comment Share on other sites More sharing options...
tudor_apmadoc Posted July 13, 2009 Share Posted July 13, 2009 <p>Make sure you read the fine print on any photo equipment insurance policy. </p> <p>I had a friend who got burned. His was staying at a large hotel in Brazil, and his equipment was taken from his hotel room. There were no signs of forced entry, and the police concluded that likely a hotel staff member used a key to get in.</p> <p>However, his policy stated that there must be signs of a forced entry and the company wouldn't pay him, even though he had a copy of the police report.</p> Link to comment Share on other sites More sharing options...
manuel barrera houston, Posted July 13, 2009 Share Posted July 13, 2009 <p>I have my equipment insured through State Farm, $280 (a year) for a little less than $20,000 worth of equipment. </p> Link to comment Share on other sites More sharing options...
julieroggow Posted July 13, 2009 Share Posted July 13, 2009 <p>Our homeonwer's insurance policy allows us to add on a "rider" that covers our photographic equipment. It costs just 1% of the total value of each piece insured (for 1 year of coverage). It covers accidental damagae and theft. There is no deductible. It offers complete replacement value. Quite a deal!<br> Julie Roggow</p> Link to comment Share on other sites More sharing options...
jimbojack Posted July 17, 2009 Share Posted July 17, 2009 <p>I can highly recommend State Farm insurance, specifically I have the personal articles policy. I took the insurance out for my camera equipment about 3 years ago.<br /> <br /> Last month I had my camera and lenses stolen in Ecuador (first time I had my camera stolen, and I travel a lot), after I came back from the trip I made a claim with my State Farm agent. A person from their claims department called me back the next day, asked about what was stolen, asked about the police report (I did obtain one, but she did not ask for a copy of it, just that I had it). She then told me she would go to the B&H website to verify my claimed values were reasonable, called me back 15 minutes later and said that my check would be mailed within 2 days. 4 days later I received the settlement check (this was for a few thousand $ btw, definitely not a small amount) <br /> <br /> The check was for the values of equipment that I paid. So for example if you buy a Nikon D300 for $1800, and next year it gets stolen the amount you get back would be $1800. Some insurance companies will deduct depreciation from the amount insured, so make sure you know exactly how your insurance works.<br /> <br /> All insurance companies are nice, until you have to make a claim.....</p> Link to comment Share on other sites More sharing options...
mikael_karlsson Posted July 19, 2009 Share Posted July 19, 2009 <p>I highly recommend that you do <strong>not</strong> insure your gear through your home-owners or tenants insurance. One claim might be all it takes for your insurance company to dump you and if you get dumped you'll have a very hard time to find new home-owners or tenants insurance and if you find any, the pricing will be double or triple of what you're paying now. At least!<br /><br />Go with Hill & Usher, the insurance offered through Photo.Net or join a professional organization such as PPA, ASMP or similar and get your camera insurance through whatever program they offer at group rates. </p> Link to comment Share on other sites More sharing options...
tudor_apmadoc Posted August 24, 2009 Share Posted August 24, 2009 <p>The Hill & Usher policy is only valid in the US & Canada (according to their website...</p> <p><a href="http://www.packagechoice.com/details.jsp">http://www.packagechoice.com/details.jsp</a></p> <p> </p> Link to comment Share on other sites More sharing options...
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