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by Cynthia Crawford on Thu Oct 10, 2024 7:21 pm
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I use homeowners to insure my  cameras  and lenses, but I am not sure it is cost-effective or very comprehensive. I'm wondering what you all are using. Although I sell my work in a gallery, I don't consider my income to qualify as professional. But I want coverage if , for instance, I drop my camera, or it is damaged somehow., or stolen. 
Suggestions most welcome!
Cynthia (Cindy) Crawford-Moderator, Photo & Digital Art
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by Mark L on Thu Oct 10, 2024 8:57 pm
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I joined NANPA (North American Nature Photography Association) and bought my insurance (with Chubb) as part of their group insurance.  Very easy to do and a number of friends have used them for years and been happy.  

My policy took effect on July 15 and on July 27 my tripod got knocked over and my Sony 16-35 GM lens was damaged.  I received a check for the repair, minus the deductible before the lens returned from the authorized repair center.  

HTTPS://nanpa.org
 

by Cynthia Crawford on Thu Oct 10, 2024 9:40 pm
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Mark L wrote: I joined NANPA (North American Nature Photography Association) and bought my insurance (with Chubb) as part of their group insurance.  Very easy to do and a number of friends have used them for years and been happy.  

My policy took effect on July 15 and on July 27 my tripod got knocked over and my Sony 16-35 GM lens was damaged.  I received a check for the repair, minus the deductible before the lens returned from the authorized repair center.  

HTTPS://nanpa.org
Thanks Mark. I looked at their site,but did not see Chubb as an option for insurance. They only showed "Cross Insurance" as an American option. Curious where you found "Chubb".
Cynthia (Cindy) Crawford-Moderator, Photo & Digital Art
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"If I Keep a Green Bough in My Heart, the Singing Bird Will Come"  Chinese Proverb
 

by Mark L on Fri Oct 11, 2024 8:44 am
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Cross is the agent that handles the member policies which are issued by Chubb.  Kristin Squier at Cross is very responsive and helpful if you have any questions, or want a quote.
 

by E.J. Peiker on Fri Oct 11, 2024 8:49 am
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I also use the NANPA insurance and Kristin Squire is also my "agent" - very responsive and paid fast when I did have a claim.
 

by Bill Chambers on Wed Oct 16, 2024 1:30 pm
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E.J. Peiker wrote: I also use the NANPA insurance and Kristin Squire is also my "agent" - very responsive and paid fast when I did have a claim.
Cynthia,

I concur with E.J. on this.  I get mine through NANPA as well, and Kristin has always been very responsive. I've only had one claim to date, but they came through quickly on it.  

Two quick recommendations though. 
1.  List (schedule) EVERY item that cost more than $500 instead of listing it as Miscellaneous. I made that mistake on my tripod, thinking that it would be fully covered.  NOPE, it is not.  Miscellaneous items are only covered up to a max of $500.  My tripod was a Gitzo series 5 with an RRS BH-55 head (approx. $1200 new when I purchased it 20+ years ago). They tried to be very fair with me by counting it as 2 items instead of 1, so I got 2 ea. $500 checks but I still had a slight loss.  Since then, I have scheduled any item over $500 as a separate item so I will get full price if I have to file another claim.

2.  I insured a couple of used bodies at the actual price I paid for them.  Kristin suggested I list the prices at the "new" price so I that would get enough to purchase new bodies if I ever had to file a claim.
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by Cynthia Crawford on Wed Oct 16, 2024 1:47 pm
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Thanks Mark,EJ and Bill. Very helpful. I will proceed with a request. I suppose You have to figure in the yearly fee to belong to NANPA, but maybe it's worth it.
Cynthia (Cindy) Crawford-Moderator, Photo & Digital Art
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"If I Keep a Green Bough in My Heart, the Singing Bird Will Come"  Chinese Proverb
 

by E.J. Peiker on Tue Oct 22, 2024 1:40 pm
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Cynthia Crawford wrote: Thanks  Mark,EJ and Bill. Very helpful. I will proceed with a request. I suppose  You have to figure in the yearly fee to belong to NANPA, but maybe it's worth it.
True unless you partake in some other NANPA benefits like the regional photo trips which are some of the best value in a "workshop" period.  Sometimes 3 and 4 day trips are under $1000 plus your expenses.  I went to Olympic NP that way and had a very knowledgable and well known local photographer leading it.  Essentially a full blown workshop for under $1K.  They also have a lot of free webinars, etc...
 

by Cynthia Crawford on Tue Oct 22, 2024 8:28 pm
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E.J. Peiker wrote:
Cynthia Crawford wrote: Thanks  Mark,EJ and Bill. Very helpful. I will proceed with a request. I suppose  You have to figure in the yearly fee to belong to NANPA, but maybe it's worth it.
True unless you partake in some other NANPA benefits like the regional photo trips which are some of the best value in a "workshop" period.  Sometimes 3 and 4 day trips are under $1000 plus your expenses.  I went to Olympic NP that way and had a very knowledgable and well known local photographer leading it.  Essentially a full blown workshop for under $1K.  They also have a lot of free webinars, etc...
Thanks EJ-very nice thoughts about  what NANPA offers. I appreciate your sharing your experiences.  I don't travel anymore, but I will look into their other offerings. Webinars might be just the thing! I have made a list of my equipment value and will submit shortly. (And discontinue homeowners).
Cynthia (Cindy) Crawford-Moderator, Photo & Digital Art
web site: http://www.creaturekinships.net
"If I Keep a Green Bough in My Heart, the Singing Bird Will Come"  Chinese Proverb
 

by Steve Cirone on Wed Oct 30, 2024 9:28 am
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E.J. Peiker wrote:
Cynthia Crawford wrote: Thanks  Mark,EJ and Bill. Very helpful. I will proceed with a request. I suppose  You have to figure in the yearly fee to belong to NANPA, but maybe it's worth it.
True unless you partake in some other NANPA benefits like the regional photo trips which are some of the best value in a "workshop" period.  Sometimes 3 and 4 day trips are under $1000 plus your expenses.  I went to Olympic NP that way and had a very knowledgable and well known local photographer leading it.  Essentially a full blown workshop for under $1K.  They also have a lot of free webinars, etc...
Wow, a three to four day workshop for under $1000 is amazing!  Thanks for letting us know.
 
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by Steve Cirone on Sat Nov 02, 2024 9:05 am
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I grilled my home insurance rep and found out there is a cap of a measly $1000 on what they will pay out for all electronics and camera gear combined.  So I checked with NANPA and the quote was well over $3000 a year.  Not cost effective for me.

I decided one of my biggest worries was a plumbing leak at home, so I bought watertight Pelican cases to protect all my gear while at home.  The next big risk I felt was bad guys checking us out as we left our vehicles while carrying lots of gear.   So I would park someplace prior to our destination and get set up so we could exit the vehicle super fast.  We would not carry anything in the car except what we took with us on foot.

In my 20 or so years of shooting a lot, I only wrecked a Canon 1D camera and a 400mm f 5.6 lens I kicked into a lake.  $2300 repair bill.  But in 20 years, that was pretty good.
 
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by Wildflower-nut on Sun Nov 03, 2024 7:20 pm
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had a 500 f4 stolen but that is it for me in 50 years.  Typically you can schedule photo equipment on your homeowners policy which gets you beyond the 1000 cap.  Mine won't cover if you are a professional.
 

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