Question
I am thinking about renting a couple for expensive lenses ($900+) from Adorama. I'll be visiting NYC from Chicago. They state on their rental page.
We do not provide Insurance. We strongly encourage renters to obtain an insurance policy, especially if you rent frequently or when the replacement value of your orders is high.
Where can I obtain an insurance policy to cover these lenses? Will my (Chicago) home owners insurance cover it? It seems like a weird coverage because I don't technically own the lenses.
Answer
Most homeowners policies have a limit to the amount of photography equipment and electronics are covered under the policy, a total of $1000 is common. Also you will take a 'hit' on your homeowner's policy if you do have any sort of claim.
Call your agent or find an agent with another firm and look into getting a rider for your homeowner's policy or an inland marine policy that will cover rented equipment.
Here is a good post that explains the differences http://photo.net/learn/insurance (The comments are great)
Check more discussion of this question.
No comments:
Post a Comment