this post was submitted on 18 Nov 2023
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Photography

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Insurance that isn't State Farm for photo gear & laptop (alien.top)
submitted 11 months ago by hejj@alien.top to c/photography@viewfinder.pro
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I've been searching insurance options for my camera, lens, and laptop. I am not a professional but I still have gear that's on the more expensive end. I've seen the suggestion turning up in pretty much every thread to get a personal property rider from State Farm. I've had (and used) such a thing in the past.

However, with the gear I have now, I bought these items at a hefty discount. Close to half off my A7R3 (open box), $500 off the MacBook Pro, and a couple hundred off the 24-105 lens. The problem with this is State Farm only wants to insure for my original purchase prices, rather than replacement costs. Meaning if these items were stolen I'd still be out a sizable chunk of change even with insurance, assuming I wanted to replace what was lost. I've already got a home owners policy with them, but I'm wanting to travel overseas and I'm a little concerned about theft.

Does anybody have any suggestions for alternatives to State Farm? I'm fine with getting a permanent insurance policy, or getting something that is just covering the trips I take.

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[โ€“] quantum-quetzal@alien.top 1 points 11 months ago (1 children)

Huh, it's weird that State Farm will only insure for purchase price. I have a personal articles policy through them for my camera gear, and everything is insured at a replacement value that we agree to at the time I add things. They don't even ask for receipts for items under a certain threshold (I think $2k).

I have a lens that I bought for used for just over $4k, but have insured at the $6k MSRP, since it only appears on used markets infrequently. They didn't question that decision at all.

Others have listed a lot of great alternatives here, but if for whatever reason you would like to go with State Farm, I'd recommend talking to a different agent.

[โ€“] Rdr1051@alien.top 1 points 11 months ago

I have had the same experience as you with my SF agent.