Insurance for my Camera Equipement Only

[pemongillo]

<p>I am not getting anywhere here coming up with some suggestions for insurance companies.<br>

I don't care about liability I just what my $7000 worth of gear insured for everywhere I travel in and outside the USA, for breakage, for theft and mysterious disappearance.<br>

I had and add on to my homeowners policy through State Farm, but they dropped me because of two claims totaling about $800 almost two years apart. So an add on to my homeowners policy is out.<br>

I don't need any liability insurance and I don't want to join a photographers association.<br>

Please provide some suggestions for insurance companies that do this.<br>

Thanks</p>

[User_1891539]

<p>Are you eligible for USAA? Alternatively, a call to an independent insurance firm may uncover some sources.</p>

[pemongillo]

<p>I don't even know what USAA is, so I'm probably not a member. I am a little cautious about and independent unless I get some good reports. What's USAA and do you have a recommendation for an independent?</p>

[parv]

<a href="https://duckduckgo.com/?q=usaa+insurance&kag=1&kf=fw&k8=333&k1=-1&kx=r&kz=-1&kaa=p&kp=-1&ka=c&k9=b&kn=1&ko=1&kt=g&kae=c&kd=1&kv=1&kaf=1">usaa insurance</a>

[Matt Laur]

<p>I haven't found a policy yet that considers "mysterious" loss of your gear to be something they'd cover. Or if so, such a policy would be so expensive that you're better off just sticking that several hundred dollars per year (and what you'd have to pay in the way of a deductible in the event of a claim) into a money market account and just let it pile up. I know I'd hate to lose $7000 worth of equipment ... but I'd also hate to lose that same amount in the way of insurance premiums over the course of just a few years, and have nothing to show for it. There's a reason that a lot of businesses "self insure" when it comes to equipment like that. Don't forget that the premiums would be even higher still if you expect a claim to not be reduced by the very rapid depreciation of modern photographic equipment.</p>

[pemongillo]

<p>Nope, not military or x military. My homeowners personal property policy covered everything anywhere in the world including insurance for shipping for $8/month. I guess it wasn't real insurance because State Farm dropped me like a hot potato for using it twice. </p>

[Charles_Webster]

<p>@Paul, many homeowner's insurance companies will drop you after two claims, regardless of amount or cause. My HO insurance was cancelled after a 2nd claim for water damage from a burst pipe.</p>

<p><Chas><br /><br /></p>

[pemongillo]

<p>It turns out I am eligible for usaa. Did not think my time in the NG back in the late 1960's counted. I will look into that.</p>

[michaelmowery]

<p>Join PPA they automatically cover I think up to $10,000</p>