I didn't see this email until today since I've been in rural Newfoundland
without the Internet. Back in St. John's today.
Many insurers don't charge service fees for endorsements. My office (I'm an
insurance broker) deals with about 8 different carriers and only a handful
of our companies have service charges, and usually only for new or renewal
policies and usually only on obscure lines of coverage. I only have about
four homeowner's policies in total that are subject to such fees and they
are for weird situations.
As for scheduling photo gear, most good home policies don't have limits on
photo gear that's used for amateur use (no income). I simply don't schedule
my gear at all. I have a $1,000 deductible but if I lost a bag with a
couple of expensive bodies and f/2.8 zooms, that'd be a pittance.
Lower-priced gear, I can afford to lose. I also shoot film which means that
many of my bodies are replaceable at very low costs. If I lost my Nikon F5
I would, however, be entitled to replace it with a new F6 since I have
replacement cost insurance.
If you use the gear professionally, all bets are off. You need to pay a
premium for this. The best option I've found is through the SPPA here in
Saskatchewan. Ordinary commercial policies tend to be much more expensive
because our loss histories in such gear are not good.
Jim
_____
From:
PrairiePhoto@... [mailto:
PrairiePhoto@...] On
Behalf Of Bill Armstrong
Sent: June 4, 2009 4:56 PM
To:
PrairiePhoto@...
Subject: [PrairiePhoto] Re: OT question re insurance for photo equipment
My home policy is through Peace Hills Trust. I think the home policy
is good value, but getting dinged every time my list of items changes
is irritating. Seems like everyone in this forum likes to add new
stuff on a regular basis. ;)
Bill Armstrong
hygrade7@accesscomm <mailto:hygrade7%40accesscomm.ca> .ca
Reading is a child's get out of jail card.
