You can add it to your renter's or homeowner's insurance and it doesn't cost that much, I believe they call it a "rider" policy. It's nice because it also covers damage you could cause...like if you accidentally drop the camera. FYI, if you claim your camera on your taxes and state that you use them for business purposes, rates for insurance go up and you need to consider a different route for insuring them.
look up world nomads. it is travelers insurance for vagabonds. i plan on using it when i go to asia on my cameras.
I have all my equipment under my mom's home insurance and that is definitely the best deal, they also have renters insurance (like alexis said) and you can include small things on that (i have a friend that insured all of his movies). Hopefully that helps!
I would second what Alexis said. its what I have done with mine. The fact that the gear gets used, its bound to get dropped or damaged and its covered with this type of insurance. I think its called scheduling, they cover all my stuff for "actual value", the cost it would take to replace the item.How's the new camera?!
well if you do not have renters or homeowners insurance and neither do your parents or you do not have access to it then world nomads would work as well
I went thru Hub International. 159.00 a year with a 100.00 deductable covering my camera, all my lenses, my computer, my computer battery and my external hard drives.Fire and water damage is covered on this and I think it's thru a homeowners policy, but you could do it thru a renters insurance thing.
You need what is called an 'inland marine commercial policy'.If you just get a homeowner rider, it will only cover the cameras at your home or in your car if you have an umbrella policy. Check the fine print, they're generally only covered for theft, fire, etc.The inland marine policy will cover your cameras whereever, whenever, whatever. The chances that you cameras will be stolen from your home are incredibly slim. You need a policy that covers you dropping your own equipment while shooting, etc. because that will generally be the claim you file.I've had a policy like this for almost 20 years through Safeco. I insure around $30K of equipment for less than $200/year.
Also, if you're a member of a guild like ASMP, NPPA you can get not only equipment policies but also liability umbrellas for working as a photographer. Yes, you need to be bonded to do most commercial assignments.
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