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Taking Care of Business
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Old April 21st, 2008, 08:05 AM   #1
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Join Date: Aug 2004
Location: Conroe, Texas
Posts: 21
Non Business Insurance

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On 01/15/08 I lost (had stolen from my truck in Houston) $8080.00 worth of gear.

The good hands people paid me, after a lot of
investigation/deductable and depreciation approximately $6000.00.

Anybody know if there is a better way to insure my gear then the off premises contents coverage of my homeowners policy.

My agent told me to schedule the individual items and I would get no deductible coverage but it seems a bit expensive.

BTW I'm not in business of photography. I am only a hobbyist but I have acquired a substantial value of equipment....approximately $25K.

Any thoughts? Thanks,

Thomas Bufkin
Thomas Edward Bufkin is offline   Reply With Quote
Old April 21st, 2008, 09:00 AM   #2
Major Player
Join Date: Dec 2007
Location: Fayetteville, NC
Posts: 523
You can get an "Inland Marine" policy that will insure your equipment or you may need to get a broadcast equipment rider. Both cost money. It may also take some searching with your agent or an independent agent because most of them don't know how to deal with TV gear.
"The good thing about science is that it's true whether you believe it or not." Neil deGrasse Tyson
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Old April 21st, 2008, 10:19 AM   #3
Regular Crew
Join Date: May 2007
Location: Fort Lauderdale, Florida
Posts: 70
take alook at state farm insurance. i have policy with them, covers 50k and I am not a business, just a photographer/videographer with a lot of toys
cameras and computers are included in the policy
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Old April 21st, 2008, 11:12 AM   #4
Regular Crew
Join Date: Jul 2007
Location: McKinney,TX/New Orleans, LA
Posts: 104
I scheduled all of my equipment as part of my renter's insurance. My girlfriend is an agent at allstate in the Dallas area. Email me and I can put you in touch with her.
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