Last week, a friend from work had his car broken into. In, of all places holy in the world, his driveway. And every last bit of his photography and computer equipment that tucked in the trunk was stolen. (Except for the tripod… if I heard correctly.) A hard drive, among the bundle of electronics, held hundreds of his personal images. All gone. Being that the theft took place on his property, his home owners would cover the replacement of his equipment but not without a rather high deductible. Boo.
I tell you this because we never know when something will happen. That’s why we have insurance to begin with. Home owners, auto, medical – all there “just in case.” We can sometimes forget about our personal effects.
Even after months of Mrs. Rev telling me about insuring her photography equipment, I didn’t do it. Until we heard a story on the news. About a tribe of assholes in St. Kitts who cut down a tree to block the road from a bus of tourist from Celebrity Cruises. This tribe then proceeded to strip them clean of anything of value. At gunpoint.
That was one of the islands we were going to. That was the cruise line we were aboard.
Not my ideal vacation, if ya know what I mean.
Fear set in – I called my insurance agent that week to see what I needed to do. It turns out it was easy. Super easy.
I took out a personal articles policy. Covering personal articles from damage and theft. Meaning that if anything were to happen, they’d try to repair or replace the items under coverage. With no deductible. For less than $50 for the year. In case you missed it: no deductible.
I started pulling out every bit of my equipment. Every box, lens, battery and memory card. Possibly even that little prick of an accessory flash I have. I listed them all out in a spreadsheet. I included original costs, serial numbers if I could find them, provided copies of my receipts. If I didn’t have receipts, I scoured the internet for replacement cost. It took me about three hours to do this. I couldn’t believe the final number. But less than one email to my agent and a $50 premium later, everything was covered.
My dSLRs, Paco, my extra batteries, both multi-gig memory cards, interchangeable lenses. Possibly even that little prick of an accessory flash. All were accepted, inflation coverage applied, no questions asked. I was told that some things could be rejected once reviewed but they saw no problem and gave it a stamp of approval.
Think it over. Call your agent. If you can swing a few hours and few extra bucks, do it. It’s peace of mind. And, I repeat, it’s no deductible.
Note: I do not work for an insurance company. I didn’t even remark the company I use. It’s only the casual passing along of helpful information. It’s how I roll.