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| p.3 #18 · Soaked and Sanded 5D2... what to do?!?!?! (+image) |
Regarding homeowner's insurance covering camera damage:
- yes, many policies cover such damage, however, most homeowner's insurance comes with a deductable. Usually that deductable is rather high, unless you were willing to pay a LOT higher premium.
- it's certainly worth a telephone call to your agent, however, expect the deductable to be more than the cost of the camera + lens.
- I have at least two friends who thought they were covered by just their homeowner's policy, but found the deducatble higher than their damaged equipment.
My sympathies for your loss. Let us know if you have any success with repair.
I consider salt water + electronics rather hopeless.
I have home owners. My rates are low. My deductible is 500.
My items are not scheduled. Allstate told me, scheduled items still have a deductible and add more to my insurance.
We went Round and round over it, because I've got several high end guitars. They said that it would exceed the maximum that they cover in guitars. "why do you have that many?". Eff you, because I want to!
But on the same policy I've got coverage for crap I don't have,Ike 30grand in clothing and also in jewelry.
I was like, wtf.
Also someone telling you NOT TO USE SOMETHING YOU PAY FOR is smoking something.
You pay for insurance. It doesn't hurt to call and check.
Most places don't raise your rates in the first claim. I've had two with Allstate and my rates are the same.
It fall into the same category as this,
"don't eat your food...you paid for it."
"don't use your camera...you paid for it."
"don't drive your car...you guessed it, you paid for it".
Like I said, you'll be surprised how much is covered even without scheduling. I was playing in a band for a benefit (not money) and it was going to be the first time I played out in about 14 months. I called my agent who said of I wasn't being paid, I am covered 20k of gear from my home. Took my gear and had a blast.