Homeowners Policy | Photography Equipment Rider

[HDNitehawk]

Mark,

Each insurance company is going to handle this diffrently. You should ask for a copy of your policy and read it.

I switched companies not long ago. The old company required a rider for the equipment. They asked for serial numbers and vaules. If I added a lens or camera I had to send it to them for an update. They asked for an apprasail at first, but I told them I had reciepts. They did not ask for the reciepts but I know I had to keep them if something happened.

The old company left the state. I switched to Farmers. My Farmers agent said he didn't need the info and just added a rider. The policy was worded diffrently and I sent him the info any way. But Farmers requirments are diffrent than the previous company.

Main piece of advice is to read your policy and understand it yourself.

EDIT: also, three insurance companies ago we had your insurance company. They had very good hands but mainly at picking your pockets. We had a car and house claim with them and they performed poorly. Same with John's insurance company, I had coverage with them 20 years ago and it was very poor service when a spring storm wiped our neighborhood out. Our neighbors had other insurance companies and they were settled with quick, we had to fight from start to finish to get the insurance company to take care of our claim. Any way I am not to high on either of those companies now.