eric

Do you have insurance for your photo equipment? From where? How much? What does it cover?

The Turk

i use state farm. they cover everything %100. if it gets stolen, broken, stop working etc they cover it all. i have 8000$ coverage for 104$ a year.

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MichelinMan

WTF? Camera equipment insurance? Like seriously?

ciao998

Why not? If it's cheap and you have much to protect, very well might be worth it to some.

I always had renters insurance, was very cheap and covered a lot of high expense things.

jezterr

yes. insurance for this kind of equipment. especially when you've spent more on camera gear than you have on your motorcycle.

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eric

Like seriously. And no, I wouldn't insure an Xti.

MichelinMan

Approximately how much in equipment should I have before considering something like this?

eric

Insure anything that says Nikon on it.

Photohog

I've thought about it a lot. I used to be an insurance agent - maybe I'll look in it next week. I can't afford to replace all my equipment if it were stolen or lost.

plummy

when you get to the point that you'd really hate yourself for not having it if something were to happen to your stuff. as with all insurance.

SeattleVet

I had a lot of stuff stolen in a burglary when I lived in NY. My renter's insurance covered everything - a lot of camera equipment, all of my audio gear (Teac 10" reel-to-reel, a lot of other mid- and high-end stuff).

What *really* helped was that I had photos showing the racks of equipment, and receipts or owners manuals for most everything. I had 'full replacement cost' insurance, and I wound up getting a BIG check for what they had determined was the price of equivalent, current equipment. (I upgraded a lot of my gear at that point, since electronics prices had actually gone down quite a bit.)

Some things were not available, or what the insurance company decided was 'equivalent' really wasn't. For a few items I bought a replacement and was able to submit paperwork and got additional money for a few specific purchases.

Check your homeowner's/renter's insurance to see how well you are covered. Some policies have limits on cameras and electronics that may be below what you really have. In those cases you can usually get a rider or umbrella type of coverage to add higher value items. The price I paid in NY turned out to be well worth it.

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WARNING: Do not look into laser beam with remaining eye!

You can see some of my images at http://seattlevet.smugmug.com

MichelinMan

Thanks for the advice man. I need to look into what mine covers...