Get your lenses and cameras added to your home insurance policy!

pathdoc · 09-15-2015, 04:21 AM

I tried to ask my insurers (Johnson, in Canada) for a specific policy for my gear while away and they said no, it's already covered under a subclause.

RubyT · 09-15-2015, 07:20 AM

I have a personal articles policy with State Farm for camera equipment/jewelry. So far I haven't made a camera claim, but a stone fell out of a ring three months after I took out the policy and they gave me a check as soon as I brought in a repair estimate from the jeweler. I have to bring in any cameras purchased, with receipts, and they need the serial numbers. I have film cameras covered for my purchase price, even. The jewelry is considered to appreciate, and the gear is not, based on the statements I get every six months. No deductible, and I am covered even if just do something stupid while out--unlike the homeowner's. My homeowner's limits camera equipment (and also jewelry) to $1500, subject to deductible, and loss while out isn't covered, which is why I have the PA policy instead.

wombat2go · 09-15-2015, 07:31 AM

Originally posted by Edgar_in_Indy

It would be nice to hear from someone who has experience filling a claim on lenses...whether they were damaged inside the house, or out.

Many years ago, in Australia, I drove over my camera bag and crushed the ME Super.
The insurance company advised me to go to the local Pentax dealer. They authorized the dealer to provide the current model nearest equivalent camera body which was the Pentax P30t.
I was not allowed to pay extra to get the MZ-5.

The P30t failed twice in warranty, and again just out of warranty so I abandoned it.

LFLee · 09-15-2015, 08:26 AM

I read somewhere this is not a good way. Once you file a claim, they will sky rocket your home insurance.

A separate insurance just for the camera equipment is a better way. I have yet to look into this in detail though.

I would like to hear from someone who actually make a claim, how did it goes, and what happen to the insurance premium afterwards...

narual · 09-15-2015, 01:08 PM

Originally posted by DogLover

Rather not say what those items may be.

Firearms, jewelry worth more than $500-1000 or so, and antiques are pretty common exclusions.

Edgar_in_Indy · 09-15-2015, 01:36 PM

Originally posted by DogLover

Interestingly, this did not apply to all types of items that I asked about, just camera gear. Some other types of items would need to be specifically scheduled and would cost extra. Rather not say what those items may be.

This is Farmer's Insurance company.

I think I know what he's talking about. This subject also came up in another recent thread:

https://www.pentaxforums.com/forums/173-general-photography/302307-photograph...ml#post3351238

DogLover · 09-15-2015, 09:23 PM

Originally posted by Edgar_in_Indy

I think I know what he's talking about. This subject also came up in another recent thread:

https://www.pentaxforums.com/forums/173-general-photography/302307-photograph...ml#post3351238

Ha ha, yes, you're on to me.

09-15-2015, 07:20 AM	#17
RubyT Pentaxian Join Date: Sep 2008 Location: TN Photos: Gallery Posts: 621	I have a personal articles policy with State Farm for camera equipment/jewelry. So far I haven't made a camera claim, but a stone fell out of a ring three months after I took out the policy and they gave me a check as soon as I brought in a repair estimate from the jeweler. I have to bring in any cameras purchased, with receipts, and they need the serial numbers. I have film cameras covered for my purchase price, even. The jewelry is considered to appreciate, and the gear is not, based on the statements I get every six months. No deductible, and I am covered even if just do something stupid while out--unlike the homeowner's. My homeowner's limits camera equipment (and also jewelry) to $1500, subject to deductible, and loss while out isn't covered, which is why I have the PA policy instead. Last edited by RubyT; 09-15-2015 at 07:22 AM. Reason: eta: terms

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09-15-2015, 04:21 AM	#16
pathdoc Pentaxian Join Date: Mar 2015 Photos: Gallery \| Albums Posts: 6,381	I tried to ask my insurers (Johnson, in Canada) for a specific policy for my gear while away and they said no, it's already covered under a subclause.

09-15-2015, 07:31 AM	#18
wombat2go Veteran Member Join Date: Jan 2010 Location: Michigan Photos: Gallery Posts: 2,207	Originally posted by Edgar_in_Indy It would be nice to hear from someone who has experience filling a claim on lenses...whether they were damaged inside the house, or out. Many years ago, in Australia, I drove over my camera bag and crushed the ME Super. The insurance company advised me to go to the local Pentax dealer. They authorized the dealer to provide the current model nearest equivalent camera body which was the Pentax P30t. I was not allowed to pay extra to get the MZ-5. The P30t failed twice in warranty, and again just out of warranty so I abandoned it.

09-15-2015, 08:26 AM	#19
LFLee Veteran Member Join Date: Aug 2009 Location: Southern California Photos: Gallery \| Albums Posts: 2,292	I read somewhere this is not a good way. Once you file a claim, they will sky rocket your home insurance. A separate insurance just for the camera equipment is a better way. I have yet to look into this in detail though. I would like to hear from someone who actually make a claim, how did it goes, and what happen to the insurance premium afterwards...

09-15-2015, 01:08 PM	#20
narual Veteran Member Join Date: Jun 2013 Location: South Bend (Notre Dame), Indiana Photos: Gallery \| Albums Posts: 1,988	Originally posted by DogLover Rather not say what those items may be. Firearms, jewelry worth more than $500-1000 or so, and antiques are pretty common exclusions.

09-15-2015, 01:36 PM	#21
Edgar_in_Indy Veteran Member Join Date: May 2010 Location: Indiana, USA Photos: Gallery Posts: 2,685 Original Poster	Originally posted by DogLover Interestingly, this did not apply to all types of items that I asked about, just camera gear. Some other types of items would need to be specifically scheduled and would cost extra. Rather not say what those items may be. This is Farmer's Insurance company. I think I know what he's talking about. This subject also came up in another recent thread: https://www.pentaxforums.com/forums/173-general-photography/302307-photograph...ml#post3351238

09-15-2015, 09:23 PM	#22
DogLover Veteran Member Join Date: Apr 2010 Location: Tennessee Posts: 2,054	Originally posted by Edgar_in_Indy I think I know what he's talking about. This subject also came up in another recent thread: https://www.pentaxforums.com/forums/173-general-photography/302307-photograph...ml#post3351238 Ha ha, yes, you're on to me.