Is Your Camera Gear Insured?
I'm taking time today to re-inventory my equipment and send an updated list over to my insurance company. While doing this, I began wondering how many serious-amateur/professional photographers have their gear insured.
I added a rider to my studio/office insurance policy a couple of years ago to cover my gear in case of theft and/or loss. Since I will routinely bring just about everything I have onto a location for a shoot, I figured this was a wise choice. The cost of the additional coverage was only a few hundred dollars a year. That's pretty cheap when you consider how easy it is for us photographers to gather several thousand dollars worth of equipment that could easily be walked off with by a thief.
At the very minimum, I would recommend that photographers take a moment this week to call their insurance company (homeowners, vehicle, etc.) and inquire about adding coverage for camera equipment.
Don't assume that your expensive investment is covered - make sure it is.
4 comments:
You might want to look at covering your computer eqt. with a rider as well.
@jkiel
Good point. My computers are listed in the policy and included in the coverage.
My gear was not covered w/ my home owners. I added it for $19 a year up to $2500 worth of gear. (If I remembered that correctly).
I have a policy from Traveler's on all my camera and computer gear. It was very reasonably priced and had been worth the piece of mind.
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