I have my gear insured under my renters as well as a Personal Articles Policy from State Farm.
Had to send my State Farm agent, a list of items, with price, serial number and links to B&H
for the items so they could ensure the prices I mention are legit.
What State Farm told me
- Accidental damage would be covered under a Personal Articles Policy but not under your renters
- Negligence is not a covered loss with your renters policy, but would be for the Personal Articles Policy
I have my gear insured under my renters as well as a Personal Articles Policy from State Farm.
Had to send my State Farm agent, a list of items, with price, serial number and links to B&H
for the items so they could ensure the prices I mention are legit.
What State Farm told me
- Personal Articles Policy with $29,550 in coverage
- Premium = $494 per year ($41 per month)
- Accidental damage would be covered under a Personal Articles Policy but not under your renters
- Negligence is not a covered loss with your renters policy, but would be for the Personal Articles Policy
I have my gear insured under my renters as well as a Personal Articles Policy from State Farm. Had to send my State Farm agent, a list of items, with price, serial number and links to B&H for the items so they could ensure the prices I mention are legit.
Aug 02, 2022 at 12:31 PM
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