Reader's Comments - Index of - Free

Camera and Equipment Insurance
this clearly in mind if you decide to go this route.
-- Marika Buchberger, August 11, 2000
I live in Vancouver, BC, Canada, a great city albeit one with one of the largest hard drug
user populations in the western world. When you have a large group of addicts around
you’ll realize they need a lot of money to support their habits. Two weeks ago my
beloved GR1s and a T90 were ripped off when my apartment was broken into. I consider
myself lucky...this is the first equipment loss I’ve had in 25 years. Since then I’ve tried to
get all risk insurance to cover the $20K worth of equipment I use (as an amateur)...no
luck: either the premiums are to high or I’m laughed out of the office. Phil how about
trying to organize some kind of policy in Canada....Anyone else: do you insure in BC?
With whom? Thanks Jim
-- Jim Vanson, September 21, 2000
Jim, if you use your gear for personal use only, a standard tenant or homeowner's policy
will cover it. Just watch for what the perils you are insured against are, and check to see
if there's an off-premises limit.
I'm an insurance broker in Regina, Saskatchewan (Canada), and the carrier I've chosen to
insure my home has no off-premises limit on personal property. I pay a $500 deductible,
but given the value of my gear, that's okay.
-- Jim MacKenzie, September 28, 2000
If insurance is an issue with you NANPA members have an insurer who writes
Commercial Inland Marine Policies for members. I assume that there is a lower rate for
NANPA members. I found that my homeowners insurance limits would not come near
covering a major equipment loss even if I didn't have related income. This policy is all
risk and covers me in most foreign countries. The NANPA website is www.nanpa.org
-- John Pickles, December 10, 2000
My Insurance Company will list camera equipment in excess of 200.00 as scheduled
items on my homeowner's policy. Items with a value less then 200.00 default to my
standard homeowner coverage. This coverage is not as good as a scheduled item.
Now, I have a lot of "stuff" with a unit price less than 200.00 when added together would
be a great loss to me. Am I being too picky here or is there another way to insure my
equipment?
-- Michael R. Amodeo, February 16, 2001
http://www.photo.net/learn/insurance (10 of 12) [5/15/2002 7:16:03 PM]