ART Insuring equipment through home owners insurance...v.Geico

Unknown User

Active Member
Aug 11, 2003
10,570
In Your Mind
Anyone do this? What are the costs associated with it? I have about $15k in equipment that I would like to insure against loss or damage.

My biggest fear is that someone takes my lenses or other equipment while I'm doing a wedding. What do you guys use and what are the approx. costs associated with it?
 

quid

I Piss Excellence
OT Supporter
Aug 28, 2004
50,263
california
call geico.

not sure if your homeowners will extend to you shooting a wedding, you may need a separate business related policy.

ask them.
 
TS
TS

Unknown User

Active Member
Aug 11, 2003
10,570
In Your Mind
call geico.

not sure if your homeowners will extend to you shooting a wedding, you may need a separate business related policy.

ask them.

I'd rather just not bring the business end into it. I'd tell them I'm just a person who loves to take pics.
 

jigelow

New Member
Dec 16, 2010
2,407
I image it'd be a separate rider. Geico doesn't actually provide renters or homeowners insurance. They just selloff to companies that do. I signed up with Geico, and te actual provider is Travelers. My wife's rings have a rider, it's roughly $110/year/each $10k insured.
 

White Chocolate

3 Sport Athlete before Age 10
Sep 18, 2007
24,277
AZ
I work for Farmers. No limit on camera equipment. Just computers, silverware, firearms, jewelry, fine arts, money, memorabilia, etc. Your property is covered anywhere in the world. Named perils coverage
 

turbodude

Just a photographer
OT Supporter
Jun 17, 2002
10,037
Las Vegas
i assume if they know you do it as a business as well they can say no to your claim, just get business insurance if you have a business and call it a day
 

quid

I Piss Excellence
OT Supporter
Aug 28, 2004
50,263
california
I'd rather just not bring the business end into it. I'd tell them I'm just a person who loves to take pics.

you say that now, but when they deny your claim because you were shooting a wedding for profit and their contract says personal use only you will be up in here bitching about what a scam insurance is.

Not sure if thats actually the case, like i said, call an agent.
 

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