Anyone have camera insurance experience or recommendations? - Mountain Buzz
 

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Old 06-07-2011   #1
 
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Buena Vista, Colorado
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Anyone have camera insurance experience or recommendations?

Not long ago I bought a Canon 7D with a couple of solid lenses. It's my dream kit and I'm excited to learn more tricks.

Does anyone have camera insurance experience? Plans that worked? Plans that would insure an accident on the river or theft? Your recommendations are appreciated.

Thanks for any help.

David

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Old 06-07-2011   #2
 
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I did once have a positive experience with visa repairing a camera that broke outside the STD warranty. They offer free protection up to Additional year They might offer some addition warranty protection for a price
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Old 06-07-2011   #3
 
Jackson, Wyoming
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It's been a while since I wrecked or lost one on the river, but here are my experiences:
1) A bad swim on Mill Creek in CA cost me a Pentax K-1000 and 2 lenses. I reported it on a renter's policy as a "flipped canoe" on a mild river trip here at home. They covered it at retail, and I upgraded to an Olympus OM2 body and 2 nice lenses. It cost me $100 deductible.
2) A 'little swim' at Deliberation on the Clark's Fork Box cost me the Olympus OM-2 and 3 lenses. I reported it on my renter's insurance policy, again, and they covered it no problem, enough so that I bought an OM4-T body and 2 nicer lenses from one of the New York discount houses. Cost me $100 deductible.

I now own a house, and haven't lost a camera on a river since that change, but have been told that if my stuff is itemized and listed, I can claim it regardless of how/where/when it is lost. I actually have found renter's policies to be far more lenient, for several different 'losses.' Just my two cents' worth, and there may be some very good 'camera specific' insurance out there nowadays. Probably a LOT more expensive, though, as the renter's policies covered all my belongings for about $175.00/year.
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Old 06-07-2011   #4
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Best to claim on home owners, auto, or renters ins. If its under 5 or 10k its almost not worth insuring.
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Old 06-07-2011   #5
 
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Most homeowner deductibles are much greater than $100. $500 or $1k probably more typical for most of us
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