Insuring your camera gear

[Phantom Joe]

Now that I've just spent a rather substantial amount of money to get set up for photography, I'm interested in what you experienced members do regarding insurance coverage on the equipment. (I suppose that I should review my USAA homeowner's policy to see what that may or may not cover.)

Also, what is your opinion about diving insurance? I haven't gotten into that subject yet, but Gilligan has some DAN information on his website (along with lots of beautiful photos).

Thanks, Joe

 

[Dee]

Be careful with that homeowners coverage. If read reports that just the inquiry has caused cancellations or increases.

I've been using D.E.P.P. for the last 7-8 years. I've had several claims for lost, broken and flooded items and have always been very satisfied with the service and coverage.

 

[rad21]

I highly recommend both. DAN for diver insurance and DEPP for your gear and photo gear. I renew both annually and will continue to do so as long as I dive and take UW photos.

 

[flima]

Folks,
Does DEPP coverage include stuff if I dive overseas ?!

Thanks,
-Fred

 

[divemed06]

Im debating the insurance thing.. I have the Oly 4000/ 010; nothing else. If I go with DEPP, and I get a flood: It will cost me 250$ deductible + anual rate + shipping charges + taxes + duty at the canadian border for a 500$ housing + camera. Furthermore, if my housing is shot, for some reason, how will they find a pt 010 (unless it's gray market)? I guess I'm not sure if I should be extra carefull and take my chances, or go with the insurance (I only dive about 6 months out of the year; so I guess that kinda reduces my chances of getting a flood)....opinions?

Thanks

 

[Dee]

divemed06 once bubbled...
Im debating the insurance thing.. I have the Oly 4000/ 010; nothing else. If I go with DEPP, and I get a flood: It will cost me 250$ deductible + anual rate + shipping charges + taxes + duty at the canadian border for a 500$ housing + camera. Furthermore, if my housing is shot, for some reason, how will they find a pt 010 (unless it's gray market)? I guess I'm not sure if I should be extra carefull and take my chances, or go with the insurance (I only dive about 6 months out of the year; so I guess that kinda reduces my chances of getting a flood)....opinions?

Thanks

I think you're getting your policies mixed up. DEPP charges $25 plus 10% of the repair or replacement per claim or at least they always have in the past.

DEPP requires at least 2 major pieces of dive gear, reg/gauges, BC, computer, etc. I wouldn't worry about the PT-10 being grey market, if it is. But if all you want to insure is the 4000/PT10, you might be better of snagging an extra PT-10 while they can still be found and taking your chances on the 4000. The other isureance options charge more than DEPP for deductables, IIRC.

 

[Seadiver5]

Dan