which theft insurance are you using ?

[Overgaard]

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Home insurance cover most equipment unless it is categorized as "special collection" or has a large percentage of the overall values. It is good to ask the insurance company it it is covered as is. I have heard stories of people who didn't have coverage for their glass antiques because those were classified as "special collection". Too late to find out when it's gone.

 

Generally I don't have insurance unless it is by law or an accident could ruin me. House insurance I have in case the house burns. Car insurance is by law.

 

Some professionals have equipment insurance covering any incident, anywhere int he world. But as those are often 4% of the new value of the equipment a year(!), it's quite expensive and usually only used by those who lease equipment and thus have to provide insurance for the leasing company.

[Jeff S]

Some professionals have equipment insurance covering any incident, anywhere int he world. But as those are often 4% of the new value of the equipment a year(!), it's quite expensive and usually only used by those who lease equipment and thus have to provide insurance for the leasing company.

 

I'm not a pro, but the special rider to my home policy covers all gear worldwide under all conditions, with no deductible, and costs about 1.5% per year (of the value I list). I used to spend more than that on film years ago….no brainer for me in the digital age.

 

Jeff

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[kivis]

Tagged a rider onto my homeowner's insurance for $110 for my M9 and "Cron. Has a $250 deductable but includes full replacement.

[AlanJW]

"Valuable Items" from Chubb, with replacement value and covers all risks, including accidental damage (not deliberate of course). It is a blanket $$ policy rather than an amount per item. Have not had a claim. but Chubb covers house and were very reasonable when I had some storm damage.

[sanyasi]

You don't indicate whether you are using the camera equipment for personal or profession purposes. It is my understanding that generally, you have to obtain a special policy once you are using the equipment as a professional. I appreciate knowing whether those who are covering their equipment on their homeowner's policies are professionals.

 

I purchased my coverage through the ASMP program. So far so good. I am in the U.S.