To Cover or not cover: Photography Insurance Options

Text and photos by Heather Cline 

Valley View, Yosemite National Park Valley View, Yosemite National Park

Years ago, I came home to find my house had been burglarized. They stole everything from food to luggage and all of my camera gear. It was bad enough to have my privacy and personal space violated, but in the blink of any eye, I lost all the tools that allowed me to do what I love. It was a horrible experience, but it made me think seriously about whether I needed to insure my camera gear. Insurance coverage is definitely not the most exciting topic, but if you have ever experienced a loss through theft or accident, you know how important it is to consider your options. 

I am not a professional, so this post is geared towards those who don't make a living (full or partial) through photography. I also assume that if you are a professional, you already have the necessary coverage. 

Different Types of Coverage 

Sample Of Costs 

Lake Tahoe sunset Lake Tahoe sunset

Should You Get Insurance?

I've read many articles and threads on this topic and it's certainly a personal choice. Some people say you should just put money away every month and 'self-insure', while others swear by getting a policy. Regardless of the path you choose, there are a few things to keep in mind:

• Consider the type of photography you do, the locations you visit, and the value of your gear. 
• Understand the premiums and deductible for different policies offered 
• Read the policy to understand exclusions and limitations. For example, most homeowners insurance policies will not cover your gear if you make any money at photography

Hole In The Wall Beach sunset Hole In The Wall Beach

I hope this has provided some basic information to help you decide if insurance is right for you - and I really hope that you never have to use it!