Equipment Insurance

Wondering what insurance companies people are using for flood insurance. Any bad stories or good stories.

Thanks,

Zeb

I think mine is H2oinsurance through DAN. Covers floods with a $250 deductible and loss if the airlines lose the stuff. Doesnt cover loss while in my posession though- ie dropping to the bottom of an abyss while on a dive or having the camera swept overboard on a trip. Its about the best I was able to find- no claims filed to date though so I cant comment on that. Im paying about $400 annual for $15,000 worth of gear.

Zeb: See the pinned topic about this subject. Lots of good info and experience shared there.

Cheers

James

I have the DAN insurance. Never had to use it (knock on wood), but after trying a couple combinations, I figured that their rate is roughly 3% of the insured value per year. DEPP is the other major player.

1) there is a separate thread relating to this issue already on this website somewhere;

2) call your State Farm agent and ask for a "Personal Articles Policy." It covers ALL hazards, say you drop it in the Grand Canyon, drop it in on your tile floor in your house and break it, or the friendly but hung-over DM handing down your camera housing to you in the water drops it......etc.

You will need to give them the serial number of there is one, and price, but receipts were not necessary. you just cover what equipment you want. In case you loose your housing and camera on a dive, think about the price of the ports, port extensions, viewfinders, cords, in addition to the camera and housing. it can add up.

good luck.!

I had my State Farm insurance agent add a Personal Articles Policy to my existing general insurance plan. For a mere US$30 per year my UW camera equipment is covered regardless of the circumstance, eg, flooding, theft, etc.

$30??? Crap, My PAP cost me about $100 per year...maybe I was too detailed in my item listing. (Mostly used, but I wanted full replacement value.) Still, there are essentially no limitations on claims...haven't had to use it to prove out the promise though, so YMMV.

$30??? Crap, My PAP cost me about $100 per year...maybe I was too detailed in my item listing. (Mostly used, but I wanted full replacement value.) Still, there are essentially no limitations on claims...haven't had to use it to prove out the promise though, so YMMV.

I also have a state farm PAP on about 10K of equipment - costs 100/yr. Unfortunately, I had to use it this summer when I had a flood on my 40D. I had to send the camera, housing, and lens in to get in writing whether they were repairable or not (and in the case of the housing, whether there was a defect in the housing that caused the flood).

After all that, I got a check for the insured value of the camera and lens (that were well and truly dead - salt water and cameras don't mix ), and they also paid the cost to refurb my Sea & Sea housing. So I am a believer in the PAP policies - no deductible either.

Bruce - the new system flooded? Bummer to hear about that. That used Ike cable I bought off of you worked fine. I wish I could say the same about my photo skills as a first timer.

Sorry for your loss - glad to hear the insurance works when actually 'used' though. Not that you threw yourself under the saltwater bus to give us a data point, but it's appreciated nonetheless.