State Farm gear replacement policy, a standard studio building insurance policy, and Errors & Omissions for 1 million in liability. I've been a State Farm client for many years for home and now business and wouldn't consider using any other company.
I stopped insuring in 2000 except for the front window of my studio & public liability. I was paying about 3K PA to insure all my gear. In 2000 I had a camera bag stolen which cotained my Hasselblad kit. ($29,134) My generous insurance company (CHUBB) refused to pay me as I could not prove signs of forced entry. I lost the lot.
It is now eight years & at 3K a year I have nearly recouped my loss.
Given that I have a lot of gear I may reinsure in the next couple of years.
State Farm is great until you file a big claim. Then they're worse than worthless. I had to make a claim once and they had an investigator come to my house, interview me on tape, and eventually he was *going thru my closet*. Wtf
Check out Hill and Usher. They'll treat you like a human being when you actually need them to.
mauriceramirez wrote:
State Farm is great until you file a big claim. Then they're worse than worthless. I had to make a claim once and they had an investigator come to my house, interview me on tape, and eventually he was *going thru my closet*. Wtf
Check out Hill and Usher. They'll treat you like a human being when you actually need them to.
-m
hey went through your stuff? What they didnt believe you? Did you eventually get it covered?
Tom C. Pickard & Co using Firemans Fund has a reasonable price.
Hill and Usher is the well known and PPA referred.
RVNucio offers liability thru Firemans Fund at a very low cost.
Travelers thru an association: www.thevana.com/insurance.html
Have never made a claim so really can just give them for price comparison but if you
are able to spend several hundred Hill and Usher is the "Name" brand.
mauriceramirez wrote:
State Farm is great until you file a big claim. Then they're worse than worthless. I had to make a claim once and they had an investigator come to my house, interview me on tape, and eventually he was *going thru my closet*. Wtf
Check out Hill and Usher. They'll treat you like a human being when you actually need them to.
-m
yeah, curious if State Farm finally reimbursed you?
Studio58 wrote:
I stopped insuring in 2000 except for the front window of my studio & public liability. I was paying about 3K PA to insure all my gear. In 2000 I had a camera bag stolen which cotained my Hasselblad kit. ($29,134) My generous insurance company (CHUBB) refused to pay me as I could not prove signs of forced entry. I lost the lot.
It is now eight years & at 3K a year I have nearly recouped my loss.
Given that I have a lot of gear I may reinsure in the next couple of years.
That's a serious loss and a serious amount of dough for insurance as well.
I had allstate and filed a claim. they denied me giving me every excuse in the book and in the end told me that almost every case except mine would be covered. Mine was flooded in the trunk of a car. If the car drove over it ... they said they would pay or if inside the house and got flooded ... but somehow not in my case.
I have a suspicion, that the next guy gets a different version of the alstate BS depending on what happened to him. Not worth a darn, that company.
I attempted to start a thread on its own but haven't gotten an answer. Does anybody have the PPA insurance? What is actually included in the price of the PPA membership?
