It's also available as a rider to your automobile insurance. In either
case, be aware of your deductible. The first $300 - $500 may be out of
pocket anyway.
If you're a "pro" with lots of high dollar equipment, you can join ASMP
or PPA and take advantage of their special insurance deals. AFAIK, the
only thing you have to do to become a ASMP/PPA "pro" is join up and pay
your annual dues.
From: David Parsons
Typically, you add a rider to your policy. Couple extra bucks a
months for $XX coverage. Depending on your policy, it will be for
either replacement value or dollar amount.
One thing to keep in mind is that business use will usually invalidate coverage.
On Wed, Mar 6, 2013 at 9:06 PM, Darren Addy <[email protected]> wrote:
I've never bothered with doing anything special to insure my photo
gear in the past but I'm not reaching the point where I think I'd
better consider doing so. I don't know a lot about the subject
however. I was hoping for some pointers.
I'd like to be insured against theft and also equipment damage in the
case of an accident. (I take a camera bag back and forth with me to
work almost every day). Is there something special that I must do to
get this covered under my homeowner's policy and my auto policy (or is
there separate coverage that one purchases). I really should know
about such things at my age, but I don't.
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