Insured against mugging

[shaaktiman]

Soemone recently posted a great reminder to get renters insurance. I've been meaning to for awhile, and now that I finally bought a leica I am going to do it.

Here's the thing though. I carry that leica everywhere along with a lens or 2. I'm always worried about losing the bag or getting mugged and being out 4 grand on the spot. If something happens outside of the house will my renter's insurance cover it? This ever happen to anyone?

Also, are there any Americans out there who have a good company that they'd reccommend for this service?

thx

 

[JimDE]

I could be wrong but I don't think renters insurance will cover muggings or being stolen off your property........the only good protection for those is a concealed carry permit 😉

 

[Frank Granovski]

You can get what's called "a floater" attached to your home/apt insuance policy. It should cost between $200 to $300 extra. A good insurance company? Check out Consumer Reports online.

 

[RJBender]

Soemone recently posted a great reminder to get renters insurance. I've been meaning to for awhile, and now that I finally bought a leica I am going to do it.

Here's the thing though. I carry that leica everywhere along with a lens or 2. I'm always worried about losing the bag or getting mugged and being out 4 grand on the spot. If something happens outside of the house will my renter's insurance cover it? This ever happen to anyone?

Also, are there any Americans out there who have a good company that they'd reccommend for this service?

thx

Shaaktiman,

From 78-82 my sister lived on East 10th across from Tomkins Square. She used to carry her Nikon F around in a diaper bag. 🙁

Section I of a renter's policy will cover a burglarly loss (break-in) or robbery (hold-up). It won't pay for the damages if you drop your equipment or spill a drink on it.

Section II of a renter's policy will pay for damages if you accidentally break something in a store or a guest falls down in your apartment and breaks his arm, for example.

Most leases require that you have renter's insurance.

I'd recommend all risk coverage for your cameras. That way there's no deductible if anything happens to them. If you're ever robbed, you won't have to waste time thinking about what you're going to do.

Consider getting a renter's policy and all risk floater such as a Personal articles policy from State Farm or Allstate or from an independent agent.

R.J.

 

[ch1]

Shaaktiman,

From 78-82 my sister lived on East 10th across from Tomkins Square. She used to carry her Nikon F around in a diaper bag. 🙁

....Most leases require that you have renter's insurance.

R.J.

RJ,

With all due respect - I am a landlord in NYC

NO LEASE REQUIRES THAT YOU HAVE RENTER'S INSURANCE.

Under NY law it would be illegal for any LL to require any tenant to carry Renter's Insurance!

And, why would I do so?

As a landlord, I do not care what kind of insurance, if any, you have! Why would I?

Renter's insurance covers the renter and has NO nexus with the LL.

As a LL, I have LIABILITY and other insurance that covers ME not the tenant. If, for example there was a fire in the unit - I do not CARE about the tenant (in a legal sense) I only care about my property and loss rental income during the repair period.

Happy New Year to all from who is now a hated LL,
George
copake_ham

 

[Frank Granovski]

You're not hated. It's up to the tenent to decide whether he or she needs insurance and what kind. Hey! I used to be a landlord. 😉

 

[RJBender]

RJ,

With all due respect - I am a landlord in NYC

NO LEASE REQUIRES THAT YOU HAVE RENTER'S INSURANCE.

Under NY law it would be illegal for any LL to require any tenant to carry Renter's Insurance!

And, why would I do so?

As a landlord, I do not care what kind of insurance, if any, you have! Why would I?

Renter's insurance covers the renter and has NO nexus with the LL.

As a LL, I have LIABILITY and other insurance that covers ME not the tenant. If, for example there was a fire in the unit - I do not CARE about the tenant (in a legal sense) I only care about my property and loss rental income during the repair period.

Happy New Year to all from who is now a hated LL,
George
copake_ham

George,

With all due respect, I realize you're the expert on NY law. Think of this as food for thought. 🙂

Do your leases have a paragraph like this?

TENANT INSURANCE
No rights of storage are given by this agreement. Landlord will not be liable for any loss of Tenant's property. Tenant hereby acknowledges this and agrees to make such claims for any losses or damages against Landlord , his agents or employees. Tenants agree to purchase insurance at their own expense sufficient to protect themselves and their property from fire, theft, burglary and breakage. They acknowledge that if they fail to procure insurance, it is their responsibility and they alone shall bear the consequences. Renters Insurance is suggested, and may be obtained at most local insurance agencies.

source: http://www.cspmanagement.com/lease.htm CSP Management. Ithaca, NY

If a tenant's negligence causes damage to your building and it's not an insured peril on your insurance policy what do you do? You mentioned fire. If a tenant's bathtub overflows and water damages the walls and ceilings of the apartments below his, will your insurer pay for the damage? Section II of the tenant's renters policy would pay you for the damages to your building and the other tenants who had water damage to their belongings.

The following scenario is becoming increasingly common. Before re-renting a home, a housing provider changes all the locks. One month after the new tenants move in, their apartment is burglarized. They lose over $3,000 in personal property. There are signs of a forced entry; both the tenants sue the housing provider because they felt the locks were not adequate. Most housing providers would think under this scenario, there is no way the housing provider can be held liable. Don’t count on it!

Try another scenario. A guest of your tenant slips on a wet spot created by your tenant on the rented premises. The guest breaks a leg and considers suing the tenant but learns the tenant has no money or insurance, so they sue the housing provider.

source: http://www.buyincomeproperties.com/html/RentalInsurance.html

Because renters insurance isn't mandatory in most states, in most cases, landlords have the right to decide whether to make their tenants buy policies. Landlords like their residents to have insurance in part because they want to improve the odds that a tenant won't blame them for a crime or injury on the property. Some landlords also want their tenants to have renters insurance to reduce their own insurance premiums.

source: http://www.washingtonpost.com/wp-dyn/content/article/2005/06/10/AR2005061000941_pf.html

Many landlords nowadays require that you have renters insurance as part of the lease agreement. This requirement is meant to protect the renter as the landlord's insurance only covers the property itself as well as the common areas, such as the roof, hallways, and lobby.

source: http://www.suite101.com/article.cfm/apt_condo_living/114508

R.J.

 

[RJBender]

BTW, after my sister moved to West 10th in the Village in '83, she still used a diaper bag to carry around her Nikon F. 😛
She bought a ZERO Halliburton after she moved to La Jolla.

R.J.

 

[ChrisPlatt]

Why, is the Zero Halliburton bulletproof? 😉

It's a shame your sister didn't stick it out here awhile longer -
New York City is now one of the safest places in the nation.

Excelsior, you fathead!
-Chris-

 

[SolaresLarrave]

All my photographic equipment is covered by my home insurance. However, it's only protected in case of theft...

One thing: most muggers are after money, not gear. Neither thieves nor the general public know much about cameras (much less Leicas), so I wouldn't be terribly concerned about my Leica gear making me a target for a mugging. As long as you're very careful with your stuff you'll be safe. Just don't tempt the thieving class by leaving your camera on an outside restaurant table while you go to the bathroom! 🙂

 

[RJBender]

Why, is the Zero Halliburton bulletproof? 😉

It's a shame your sister didn't stick it out here awhile longer -
New York City is now one of the safest places in the nation.

Excelsior, you fathead!
-Chris-

Compared to a diaper bag, it's bulletproof.😛
She lives outside of DC now and visits NYC at least once a year. She doesn't miss California. 🙁
Some people use one of these to carry around their gear:

source: http://www.igloo-store.com/product_detail.asp?T1=IGL+PLAYMATE+MINI&HDR=personplaymate

R.J.

 

[RJBender]

All my photographic equipment is covered by my home insurance. However, it's only protected in case of theft...

One thing: most muggers are after money, not gear. Neither thieves nor the general public know much about cameras (much less Leicas), so I wouldn't be terribly concerned about my Leica gear making me a target for a mugging. As long as you're very careful with your stuff you'll be safe. Just don't tempt the thieving class by leaving your camera on an outside restaurant table while you go to the bathroom! 🙂

Francisco,

Read Section 1- Losses Insured of your policy: Theft, including attempted theft and loss of property from a known location when it is probable that the property has been stolen. Theft is not limited to burglary or robbery. If you came back to your table and your gear was gone, it would be a loss due to theft.

It's not necessarily your Leica gear that makes you a target. It's the mugger's perception of how easy it would be for him to take your gear that makes you a target.

Shaaktiman is essentially walking around NYC with $4,000 in cash. If someone grabs his gear, he's SOL. I hope he buys some insurance tomorrow.

R.J.

 

[Fred]

Shaaktiman, just a thought, but the Leica passport covers all sorts of things. Not sure about theft from mugging though.

 

[RJBender]

Shaaktiman, just a thought, but the Leica passport covers all sorts of things. Not sure about theft from mugging though.

The Leica Passport Protection Plan will completely protect and cover
the equipment against manufacturing defects, parts and labor, and
will even cover damage to this product, including breakage, water damage
or any accident, excluding fire or theft.

source: http://www.bhphotovideo.com/bnh/con...etpage&Q=Product_Resources/leicaPassport.html

R.J.

 

[Fred]

Thanks for the clarification RJ.

I remembered something about accident and some other stuff, just could not remember what the other stuff was. I'll check before I type in future. Sorry for any confusion caused.

 

[ChrisPlatt]

20 years ago the neighbor's junkie kid broke into my parent's home.

He stole a jewelry box filled with my mom's costume stuff only,
as well as a Philco black & white TV with vertical hold problems.

The only other thing he got was my Nikon FM with 50mm lens.
He actually opened my camera bag, removed the camera,
and left the bag, filled with other, more valuable lenses.
What a dummy!

Their homeowner's policy paid enough to replace the Nikon...

Excelsior, you fathead!
-Chris-

 

[Bryan Lee]

Compared to a diaper bag, it's bulletproof.😛
She lives outside of DC now and visits NYC at least once a year. She doesn't miss California. 🙁
Some people use one of these to carry around their gear:

source: http://www.igloo-store.com/product_detail.asp?T1=IGL+PLAYMATE+MINI&HDR=personplaymate

R.J.

On a hot day a little ice chest percieved to be full of Ice Cold Beverage might be even more of a target. 😀


On Christmas eve a Englishman was beaten to death for 100 pounds close to my old house by three youths. They had been working for him doing some construction. Im fortunate because old cameras are percieved has having little value here compared to digital point and shoot cameras and cell phones which are the favorites of the criminal element here. As far as carrying a weapon or being defensive you can all learn from the convicted felon biker crowd and just stick a ballpeen hammer with a good hickory handle on your belt. Thats about the nastiest offense/defense tool you can get and you could justify carrieng it for setting nails for measurements while photographing. I dont want to go to far on the subject here but if anyone is interested in more extreme defense measures they can just PM about it. A very simple stratagy is just to pretend your crazy, Start ranting about the FBI being after you or just madly talking to yourself and pretending to take about a thousand pictures while laughing madley. The way I figure is if someone is going to take my camera I might as well smash it over the top of their head and jumping around taking fake pictures can give you a chance to get the camera into the assault position which is in your strong hand held like a stone lense forward and positioned directly above your shoulder to launch in a downward motion, but thats about all I got to say about that.

 

[RJBender]

20 years ago the neighbor's junkie kid broke into my parent's home.

He stole a jewelry box filled with my mom's costume stuff only,
as well as a Philco black & white TV with vertical hold problems.

The only other thing he got was my Nikon FM with 50mm lens.
He actually opened my camera bag, removed the camera,
and left the bag, filled with other, more valuable lenses.
What a dummy!

Their homeowner's policy paid enough to replace the Nikon...

Excelsior, you fathead!
-Chris-

Chris,

Twenty years ago your parents probably had a $50 or $100 deductible. Nowadays $250 and $500 deductibles are common. The all risk floater gives you better coverage without a deductible.

BTW, it wasn't a Philco Predicta was it? 😕

source: http://images.google.com/imgres?img...co+predicta&start=100&svnum=10&hl=en&lr=&sa=N

R.J.

 

[Rob]

If you feel that strongly about getting mugged/robbed better update your health and life insurance too. For the questionable places you might photograph I would take a Canonet. If could even be swung as a defensive weapon...might give you time to get away. If its trashed or stolen your only out $50.

 

[RJBender]

On a hot day a little ice chest percieved to be full of Ice Cold Beverage might be even more of a target. 😀


On Christmas eve a Englishman was beaten to death for 100 pounds close to my old house by three youths. They had been working for him doing some construction. Im fortunate because old cameras are percieved has having little value here compared to digital point and shoot cameras and cell phones which are the favorites of the criminal element here. As far as carrying a weapon or being defensive you can all learn from the convicted felon biker crowd and just stick a ballpeen hammer with a good hickory handle on your belt. Thats about the nastiest offense/defense tool you can get and you could justify carrieng it for setting nails for measurements while photographing. I dont want to go to far on the subject here but if anyone is interested in more extreme defense measures they can just PM about it. A very simple stratagy is just to pretend your crazy, Start ranting about the FBI being after you or just madly talking to yourself and pretending to take about a thousand pictures while laughing madley. The way I figure is if someone is going to take my camera I might as well smash it over the top of their head and jumping around taking fake pictures can give you a chance to get the camera into the assault position which is in your strong hand held like a stone lense forward and positioned directly above your shoulder to launch in a downward motion, but thats about all I got to say about that.

Bryan,

Was this in Thailand?

R.J.