Upload & Sell: On
| p.6 #18 · Time to ask the pros for advice ... |
How do you know your lens would have been damaged without the filter? Do you have any idea just how tough the front elements of most lenses, even the cheap ones, are? I don't see how people can claim a filter "saved" their lens, when in reality, it just looks that way. Of course the single piece of glass is going to shatter, it doesn't mean the front element would.
well, this is a bit like wearing your seatbelt and getting into an accident, walking away unscathed and then saying you can't prove the seatbelt made any difference. sure, we'll never know, but do you want to take the chance?
re: insurance, can you advise where i can get a policy that covers all my gear in the case of accident? i've insured it through my homeowners, and it's very inexpensive, but it only covers theft. doesn't cover it if i fall off a bridge and deep six my camera
unless you're referring to buying the extended warranties that cover accident, but it's too late for me to get those on my lenses, i believe
You can pretty much call up any insurance company and get that type of policy. Some call it a personal articles policy, others have other names. State Farm and Hill & Usher seem to be the favorites if I remember correctly. Working pro's usually use insurance through the PPA, but that wont help if you're not a pro. You may have to specify that you want "all perils" or "all hazards" covered, and you may have to pay extra, but from what I remember most of the personal articles policies are all perils save for a few very specific things (such as acts of war, which no insurance company usually covers) and even if you did have to pay extra, it wouldn't be much.
I understand you have a policy for theft through your homeowners, but if I may offer a word of caution, that may not be the best idea. I would much prefer to use a company separate from my homeowners/auto due to the fact that if you have to make a claim for camera gear, they may very well drop your home/auto policy. The risk is especially big when you have expensive gear or a lot of it, as the large hit the insurance company takes may cause them to drop you. I've heard of it happening before, and it can be a real drag, especially if you're getting a good rate on your homeowners/auto, only to be dropped because of a camera gear claim.