Hey Folks,
One of the most problematic issues with photography is also one of the most glaring; the cost of all this gear. A new pro camera can easily cost anywhere from two thousand to eight thousand dollars. A second camera, assorted lenses, tripods, ballheads, etc, etc, etc .. it’s insane how much this can quickly add up to (not to mention increasing photo requests for < $75.00 usage – another topic).
Compounded by the fragility of most of this gear, photographers face a real issue; use it, be careful with it, and try not to have to spend more $$$ on it than necessary; i.e., don’t break it. So, given the fragility of the gear, for most of us, that means insurance.
Several years ago I researched this, and it seemed that, for me, a personal articles policy with State Farm was the best route to go. It wasn’t too costly, and yes, they covered all my gear, knew I used it professionally, and life was good. Just to clarify,
Me: “I use this photo gear professionally, is it covered?”
State Farm: “Yes”.
I added the cost to my car insurance, and moved on. Too easy.
This past fall I bought a brand new 500mm lens from Allen’s Camera in Levittown, Pennsylvania. Great folks, and a great price. I then went to my local State Farm rep, showed them the receipt and added the expensive lens to my list of insured gear. All good. Continue reading