On Thu, May 05, 2005 at 11:16:38PM -0400, Amita Guha wrote: > Nate was looking into attaching a rider to our apartment insurance to cover > our cameras, but he found out that with our existing policy, they aren't > covered if they aren't damaged outside the apartment. He did find one or two > places that would cover the gear outside our home. I was wondering if any of > you bother insuring your gear, and if so, which company you use.
A multi-thousand dollar case of equipment? Of course I've got it insured! I've got an all-risks rider on my home insurance policy (with State Farm). It covers my gear for just about anything, anywhere. With a $500 deductible I think it costs me around $1 to $1.50 per $100 of coverage. That includes my motorsport photography - that's still classified as amateur use (or so says my State Farm agent). Professional/business coverage would be a bit more.
