Comments on: Insure your camera stuff!

By: Marc McLaughlin

Marc McLaughlin — Sat, 06 Feb 2010 17:51:18 +0000

After being in the insurance business for years, I have one suggestion – if you make MONEY with your camera do NOT insure on your home policy. Most policies allow for SCHEDULED PERSONAL PROPERTY (SPP), but they are only for NON commercial use. Now, you may not be commercial, but if you make any money (or have) and you file a claim – the company MAY deny the claim. They would have to find out you make money, but is it worth the risk????? If you are just someone who really likes photography and are an avid camera purchaser than the SPP coverage is well worth it. Some insurance companies have deductibles for the SPP and some do not, so check with yours first.

By: Freddie

Freddie — Tue, 26 Jan 2010 13:42:12 +0000

Camera Insurance can look cheap though it is always worth taking the time to get to know your potential insurer – will your camera equipment be covered if it is stolen from your car trunk or boot, damaged in the hold of an airplane. Also check the excess vs replacement costs

By: Tom Haywood

Tom Haywood — Tue, 26 Jan 2010 09:21:52 +0000

Very informative, something I should really think about!

By: Scott

Scott — Tue, 13 Oct 2009 12:14:10 +0000

For those who don’t want to or can’t go through the insurance company there is also the very popular Mack Warranty which now has an option for full coverage.

By: Len Metcalf

Len Metcalf — Wed, 23 Sep 2009 03:12:33 +0000

I luckily had my large format camera kit insured when it was stolen (the unlucky bit), and I was able to replace all of it through my professional cameraman’s insurance. So this post pulls at a heart string, and I can only reinforce what has been said.

By: Dave Wilson

Dave Wilson — Mon, 21 Sep 2009 19:04:57 +0000

I you ever sell any images, one thing to ask your insurance agent if you intend tacking camera gear coverage onto your home policy is whether they consider you a professional or not. A local acquaintance lost all his gear in a theft a few months ago and because he sells some prints and does a few assignments, his insurance denied payment on the grounds that he was considered a professional and, hence, could not include coverage on his home policy. They didn’t tell him when he paid the premium, of course.

By: Daniel Swords

Daniel Swords — Mon, 21 Sep 2009 12:30:33 +0000

I have my equipment insured, and I think it only costs about $4 a month to do so. There is really no reason NOT to do so if at that cost.

By: Ilan

Ilan — Mon, 21 Sep 2009 05:09:06 +0000

Lucky you. In Israel you can’t have insurance on your camera, only as a part of your apartments insurance(!) :(

By: Aram Mirzadeh

Aram Mirzadeh — Mon, 21 Sep 2009 03:16:07 +0000

It turns out it’s not very expensive at all to tack on the insurance of your lovely and valuable equipment to your home insurance. I’m also checking into an independent insurance that includes renters insurance as I get stuff from Canon CPS and want to make sure I have something to fall back on, in case of an accident.

By: Vincent Janelle

Vincent Janelle — Mon, 21 Sep 2009 02:38:49 +0000

Something else to keep in mind is your insurance might not cover specific hobbies or disasters(like camera housing flooding).