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DPChallenge Forums >> Hardware and Software >> Insurance questions (not spam!! :)
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11/17/2017 01:28:36 PM · #1
For those who have lots of camera equipment but not for business purposes:

Do you have a rider on your home insurance for your camera gear? I haven't really been able to ascertain if it's necessary or not.
11/17/2017 01:29:42 PM · #2
I would think it is covered under your homeowner's policy like everything else.
11/17/2017 02:17:00 PM · #3
call your agent! he/she will be the ONLY one that can tell you what is or isn't covered and what you need to do to cover what's important.

they can also explain things like replacement costs...

don't make assumptions, unless you are ready to be wrong.

ymmv ;-)
11/17/2017 02:35:15 PM · #4
Exactly that is what I did. I put down all my under home owner's insurance.

Originally posted by Art Roflmao:

I would think it is covered under your homeowner's policy like everything else.
11/17/2017 02:36:43 PM · #5
Yeah, what 31.gif Skip said.

I had to have a separate clause on my home insurance (and my travel insurance) as the items were of a higher value than the individual item allowance. Now I have an insurance policy specifically for the camera gear, then it's covered at home and when travelling.

Message edited by author 2017-11-17 14:37:10.
11/17/2017 03:36:57 PM · #6
Originally posted by vawendy:

For those who have lots of camera equipment but not for business purposes:

Do you have a rider on your home insurance for your camera gear? I haven't really been able to ascertain if it's necessary or not.


Thanks for bringing this topic up. I had not even thought of my home owners insurance.
11/17/2017 03:41:24 PM · #7
I've had this conversation with my agent for my Homeowners Insurance. As long as it's documented I am covered, as long as it is not being used commercially. That said, there is risk with making a claim on homeowners and a claim could wind up costing more in premium increases than the claim is worth. I'd only ever make a claim if there was a large loss associated with a home disaster, like a fire. I would not make a claim for a theft that was not related to a home burglary, for instance.
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