dustino
Well-known member
I realize this is probably something experienced users already know about or have - but maybe some newbies like myself will find this useful...
I took out a renters' insurance policy today with State Farm and asked them several questions about my DVX - is it covered away from home, what if it's stolen from my car, etc., etc. I was happy to find out that there is something called a Personal Articles Policy whereby you can insure a single specific item or group of items. Here's the best part - it covers not just against theft or fire, but even if I klutz out and drop the thing. 100% coverage with NO DEDUCTIBLE for $68 bucks a year! Forget about extended warranties - this even covers if damage occurs due to my own stupidity (which is not always lacking, unfortunately.)
Now, this only covers for those who do not use their camera to make their living (I'm sure most of those guys already have business policies with liability ins. and such). You are still covered, however, even if you are using the camera to make money. The example the policy book used was a part-time wedding videographer. In other words, you can't use this as a substitute for a full-on business policy, I guess. Now, don't call yourself a "freelance videographer" because then you're not covered. Bizarre, I know. Isn't a wedding videographer basically freelancing? My agent said this was probably a result of journalists and such who take their equipment to Iraq, for instance, - too high a risk.
Anyhow, IMO this is the first "accessory" anyone should buy after a UV filter. For the record - I don't work for State Farm or anything; I'm sure other companies offer similar policies.
I took out a renters' insurance policy today with State Farm and asked them several questions about my DVX - is it covered away from home, what if it's stolen from my car, etc., etc. I was happy to find out that there is something called a Personal Articles Policy whereby you can insure a single specific item or group of items. Here's the best part - it covers not just against theft or fire, but even if I klutz out and drop the thing. 100% coverage with NO DEDUCTIBLE for $68 bucks a year! Forget about extended warranties - this even covers if damage occurs due to my own stupidity (which is not always lacking, unfortunately.)
Now, this only covers for those who do not use their camera to make their living (I'm sure most of those guys already have business policies with liability ins. and such). You are still covered, however, even if you are using the camera to make money. The example the policy book used was a part-time wedding videographer. In other words, you can't use this as a substitute for a full-on business policy, I guess. Now, don't call yourself a "freelance videographer" because then you're not covered. Bizarre, I know. Isn't a wedding videographer basically freelancing? My agent said this was probably a result of journalists and such who take their equipment to Iraq, for instance, - too high a risk.
Anyhow, IMO this is the first "accessory" anyone should buy after a UV filter. For the record - I don't work for State Farm or anything; I'm sure other companies offer similar policies.
