I have a Valuable Property rider with USAA. Just Re-started it after a lapse but what is nice is I can add to or delete stuff on line. The lapse? Well, we moved to a gated community during that pandemic thing and only starting to plan longer distance travel now.
Rand is the underwriter for NANPA. They are actually issuing a policy type called ‘Inland Marine’ insurance. Inland Marine policies typically are designed for international use. Mine with NANPA absolutely is.
Another great differentiator of NANPA policy is full coverage of gear when used in, on, near, and over the water. Many other carriers explicitly exclude this. As a Florida nature shooter this was what I needed. I researched 4 other common photography insurers and none covered water use and some refused to cover me even near the water.
Thank you both - shopping around to compare with doing it through my Renter's. Do you happen to know if NANPA's policies are valid outside the US/Canada? Specifically I'll be going to South Africa later this year.
State Firm PAP (personal article policy) for me. I had NANPA before, $100 for the membership plus the insurance cost. I think it is difficult to add or remove any items in the middle of the policy year. Also $250 deductible.
With State Firm, no deductible; you can add or remove items (they will return your premium for the removed item). Very reasonable pricing (actually cheaper than NANPA). You need to have documents (purchase receipt, digital is okay) for all items. It is always better to take some images of your items every 6 months, just for the peace of mind later on.
Both policies cover international (exceptions are properly mentioned).
Charlie San wrote:
I have a Valuable Property rider with USAA.
The VPP policy adjustments are indeed easy to do online. What I've never understood, is whether you should modify a line item (say, 23) to match a new or different item that's come into your possession, or delete said line item (ahem, 23 again) and set a new one?
I'm not going to discount anyone's advice as being incorrect, but you should contact an agent directly. They have experience, can answer questions, and look at multiple providers. For years I always heard that it would be impossible to insure a blacksmith shop. Lots of people online said no one would take the risk. I called a local commercial insurance agent and got coverage. I gave her a description of the work I do and equipment and she found a provider and policy to cover me. I'm insuring a building, equipment, product liability, and visitor liability. An agent should be able to find some way to insure you.
As an aside, I used full frame insurance for a year for my photography equipment. I never had a claim with them, so I don't know how that process would be if something happened. However, getting set up was very easy.
Thanks everyone for the recommendations. I don't have State Farm, but I contacted my Farmers agent and it was going to be over $600 for the additional insurance so I opted out of that option. Companies like Full Frame wouldn't cover internationally, so I ended up going with NANPA.
woodstork wrote:
Rand is the underwriter for NANPA. They are actually issuing a policy type called ‘Inland Marine’ insurance. Inland Marine policies typically are designed for international use. Mine with NANPA absolutely is.
Another great differentiator of NANPA policy is full coverage of gear when used in, on, near, and over the water. Many other carriers explicitly exclude this. As a Florida nature shooter this was what I needed. I researched 4 other common photography insurers and none covered water use and some refused to cover me even near the water.
Was PPA (Professional Photographers of America) one of the 4 other common photography insurers that would not cover water damage?...Show more →
I also have a Personal Articles Policy from State Farm. They are great to work with. Anytime I succumb to GAS, I send a receipt to my SF agent, we sometimes get on a video call so she can look at the item and the serial number, and BAM, the coverage starts.
nineblade wrote:
I also have a Personal Articles Policy from State Farm. They are great to work with. Anytime I succumb to GAS, I send a receipt to my SF agent, we sometimes get on a video call so she can look at the item and the serial number, and BAM, the coverage starts.
Gives me a lot of peace of mind.
Is this part of your homeowner's policy, or a completely separate policy?
