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Insurance / extended warranty recommendations and experience


mattpelletier

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I am about to buy an M9 and will be traveling internationally with it extensively. I want to make sure I find insurance that will cover theft/loss and a warranty that will cover accidental damage (e.g. drops, etc.).

 

What kind of insurance have people bought (in the US) and what was your experience? How about extended warranties?

 

Thanks in advance! I'll have some other questions I'll post separately but I wanted to get this one out of the way so I can place my order ASAP.

 

Cheers,

Matt

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If you are using your camera as an amature you can buy a camera floater for your homeowners or renter insurance policy that will cover your equipment. If you are using your camera professionally you will need to buy a business insurance policy that is specific to photographers. The important thing is to deal with a knowledgeable agent that understands your needs and concerns as a photographer. I have a Travelers business policy that I am happy with and I know my agent deals with photographers all over the US and he is knowledgeable about the photography business. Here is his info if you want to contact him: http://www.lawleyinsurance.com/files/ProfessionalPhotographers.pdf

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Matt,

 

There have been quite a few recent threads on this subject- try the search tool.

 

Note that insurances vary greatly from company to company, and especially country to country. My homeowner's rider cover my equipment for loss or damage anywhere in the world, no excluded countries, full replacement value. In various threads, it has been noted that this is about as good as it gets, and most policies have numerous exclusions for speicific events and countries. FWIW, I am an non-pro in the US and am with Encompass Insurance.

 

I can't insist enough to read the details of the policy- your milage WILL vary.

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Thanks, I'll look into both of those, though I don't have homeowner's insurance or renter's insurance. I'm moving abroad and don't have a house or apartment in the states. I was trying to buy a policy once without having to pay every month for it.

 

I did try searching but "insurance" doesn't turn up much that happens to deal with insurance. I'll try looking around some more. If there are specific threads you know of I'd love links. Perhaps "insurance" isn't the right term.

 

Thanks,

Matt

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I am about to buy an M9 and will be traveling internationally with it extensively. I want to make sure I find insurance that will cover theft/loss and a warranty that will cover accidental damage (e.g. drops, etc.).

 

What kind of insurance have people bought (in the US) and what was your experience? How about extended warranties?

 

Thanks in advance! I'll have some other questions I'll post separately but I wanted to get this one out of the way so I can place my order ASAP.

 

Cheers,

Matt

 

Matt, If it's for personal use, you can do a floater on your house policy.

However, damage and so on probably indicates a Commercial Policy. I have such a policy in the $600/yr range, with a $500 deductible. Covers theft, loss, breakage, stupidity, etc. Send me an email and I'll connect you to my ins guy.

 

Regards,

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