Camera insurance for a trip

I have a personal items policy with my homeowners insurance policy. I have no deductible, and they cover price increases if something is not available anymore, i.e. M instead of replacement M9.
The cost is about 5% of the value of all of my listed gear.In production gear is easy to value, but with the rarer items(black M3, etc) I had to get a letter from a Leica dealer stating replacement costs.

Good luck.

Bob
 
I have my equipment covered through my homeowners policy. $250 deductible. $25000 max per occurrence and $5000 max per item (I like to be overinsured, just in case -- and the cost for the increase to max coverage was $30 a year). If something is stolen or whatever, they will replace it.

I have receipts for more or less every item and that is sufficient. Some of the older items, such as my rolleiflex (for which I have no receipt -- found it in an old trunk in the house), we would have to look to various internet and dealer prices to determine the value. Or, I could get it appraised.
 
Personal articals policy through State Farm, no deductible. It covers loss, theft, accidents, and everything else besides war and nuclear attacks. It costs me about 1% of my total coverage for a year.

I don't think there are any countries where I'd not be covered. But would need to look more carefully at my policy to be sure.
 
kokoshawnuff said:
Personal articals policy through State Farm, no deductible. It covers loss, theft, accidents, and everything else besides war and nuclear attacks. It costs me about 1% of my total coverage for a year.

I don't think there are any countries where I'd not be covered. But would need to look more carefully at my policy to be sure.
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I had same insurance and coverage for many years, but now I am not anymore with State Farm.
 
Bob Michaels said:
If tied to your homeowners insurance, be aware if coverage extends to losses incurred outside the US or not.

I learned this lesson the hard way.
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Mine is covered around the world (just checked) - thanks for the heads up.

Apparently allstate does not cover accidents, such as dropping my camera or lens. Neither does Amica.

Anybody know of a company that provides better coverage that would not require me to change my homeowners insurance?
 
I am really interested in finding out whether a one time travel policy is also possible since the homeowner's insurance covers the camera equipment at home.
 
I have my gear covered on my homeowners insurance - required copying the bill of sale and listing the serial numbers of the cameras. Thus far I have never needed it, so I can't say how willing they are to pay.
 
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