Many items, such as homes and cars, require insurance. Many more, such as bicycles and other gadgets, have the option of being covered by an insurance policy which is specifically designed for them. Cameras are no different; if you wish to insure a camera, you can most certainly do so, and there are many ways to find out where to obtain such policies, what the policy can be drawn up to cover, and how much such policies can cost!
Where can you get camera insurance?
Your camera can certainly be a prized and valuable possession, especially if your profession requires it, or even if you are an artist who produces photographic artwork for display. Protecting your investment is an important priority, but how can you go about doing so? One way to find out is by asking friends and family, but unless they, too, are very concerned about protecting their own cameras, they may not know how. Unfortunately, companies do not tend to openly advertise the availability of policies regarding the protection of goods such as cameras because they are not considered as critical as things such as cars or homes. The Internet, therefore, becomes a fabulous resource for the determination of what companies can possibly offer such specific policies or perhaps ways in which the camera can be added to an existing policy (or new coverage can be purchased which adds the value of the camera to other items already being protected). If you choose to shop online, check out Worth Ave Group. They’ve got one of the cheapest insurance at under $2 a month with $25 deductible.
What is included in camera insurance?
Most home and renter’s insurance policies may be drawn up to include and protect valuable items such as cameras if they are damaged, destroyed, or stolen. In this particular case, the major companies which deal with these sorts of policies may all be contacted, and a proper amendment of coverage, if you already have a policy, or perhaps an entirely new document, can be drawn up so as to include your camera in the particular coverage. Please note, though: homeowner’s and renter’s insurance policies only cover cameras for certain specific types of damage, so please be cautious and read the details of the policy before agreeing to the terms and signing. If your camera is more for recreational use, or is not an expensive camera, then a homeowner’s policy or renter’s insurance coverage should suffice. If, however, your camera is your primary means of income, the situation is drastically different. Insurance companies that offer Camera Insurance will typically cover all types of cameras from traditional point and shoot cameras, to DSLR and SLR cameras.
The type of camera insurance policy to get
If you’re a casual photographer with a relatively inexpensive camera, you may consider an Inland Marine policy. Historically this policy was meant for those traveling across waters on ships. However, this policy also covers any property on land. This policy will be able to cover your camera equipment even if the damage was accidental. Check with your local insurance agent for more information.
If you are a photographer, or your camera is in any way an important part of your means of income…or if your camera is just plain expensive…then by all means get a commercial policy to cover your equipment. Such a policy will almost certainly be more expensive than a floater which is added to a homeowner’s or renter’s insurance plan, costing you between $2.00 and $2.50 for roughly $100 of equipment, and a variable deductible per every claim depending on the company that you select for the policy. The policy that you purchase for the commercial use of the camera will eliminate the potential exclusion of equipment as it’s used professionally. What’s more, additional coverage on these sorts of commercial policies includes commercial automobile coverage, umbrella liability, workers compensation, general liability, commercial property, and much more!
Camera insurance can be absolutely fundamental if you use it a lot and would have a major problem if it broke. As far as finding a company which specifically provides camera insurance, there are many Internet companies available for this purpose. We highly recommend taking a look at the Worth Ave. Group Camera Insurance policy to insure your camera equipment. Not only do they offer low monthly premium options, but they have low deductibles, student K-12 camera insurance, and even camera insurance for accidental damage.
