Is your camera insured?

[Ambrosia76]

This is more a question for the average user vs the pros(i am sure the pros insure all their equipment)

Do you have insurance on your camera or other equipment,laptops etc?
What kind of insurance?
What does it cover?


I was talking to hubby this morning,and since we went from owning a house to renting we don't have any type of property insurance other than our cars. I want to go talk to our agent about it,but I am not sure if renters insurance is all we need. I know it would cover the property in our house,but what about our laptops and my camera when we travel,do I need separate insurance for that?

[Harpo63]

Talk to your agent. I have found different companies have different coverages included or not in certain policies you may have. I think my growing photo equipment pile is in need of me checking with my carrier to be sure!

I paid the price one time in assuming something was covered with my current insurer because it was previously covered by another insurer under the same "kind" of insurance.

[Sloseph]

not sure where is like where you live (im asuming your in the US) but here we have home insurance and contence insurance, because we are only renting we only pay for contence insurance

as long as no piece of our gear is worth over £3000 it is automaticaly covered by our contence insurance, if there is anything over that then we have to declare it

althought now i have put all this i do belive we also have seperate camera insurance

either way i would definatly advise having renters insurance just incase, it costs next to nothing and is a real life saver

[kirbinster]

Forget about the stupid camera until you have some renters insurance. If someone hurts themselves in your apartment you may be out your life savings and then some - the camera is secondary at this point.

[Jim Bryant]

Taylor & Taylor.......they cover everything from laptops to lenses.

[ScottLevine]

You would need to add it to your home owners policy as a rider, just like jewelry. Make sure the policy will cover you for the equipment when you are on vacation etc. Your insurance company may require you to provide serial numbers for your equipment.

If you decide to go professional, you will need a separate type of policy.

[jdepould]

GET RENTER'S INSURANCE. Put your photo gear on as scheduled contents.

[digirebelva]

Mine is covered by a rider on my homeowners...could afford to pay for it once, cant afford to buy it all again...and stay married...