Insurance/Protection plan for a single camera?
 

Hope I posted this in the right forum topic.

I am about to buy a Sony HDR-FX1 from B&H. They seem to have the best price with the best service. I am however concerned about the possibility of damaging my camera during filming and B&H only offers an extended warranty.

I’m very careful and diligent about protecting my equipment but accidents do happen – as was the case with a digital camera of mine that got run over by a car (not my fault). My question is, is there anyway beyond extended warranties to pay for some type of breakage protection plan/insurance?

I don’t want to buy this beautiful camera and not give it some type of insurance policy. I’ve read that home owner’s and renter’s insurance only covers fire and theft. (I rent but don't have renter's insurance) I want insurance for professional use and something that will protect my camera if it were to drop and crack or fall into water or whatever...

Do you guys know of anyone who offers such a policy?

(I know Ritz Camera does but they’re price for the Sony HDR-FX1 is too expensive)

Hi William. Your question is really just about insurance and not related to the make of the camera, so I've moved this thread to our business forum.

First, you might seriously consider whether a renters policy might be a good idea. Apartments are sometimes robbed, pipes burst, and (even more important) people get injured so you should have some liability coverage.

Do you drive a car? If so then go to the same agency and explain your situation. You may find that a renters policy gives you adequate coverage. But if your equipment is used for a business that could change things. But there really isn't any substitute for a personal relationship with a real person at an agency.

This is a topic which comes up frequently, so have a look at the following:

http://www.dvinfo.net/conf/showthread.php?t=60744
http://www.dvinfo.net/conf/showthread.php?t=59436
http://www.dvinfo.net/conf/showthread.php?t=53920
http://www.dvinfo.net/conf/showthread.php?t=10475