At the first of the year I bought Camera Insurance from State Farm. It covers any and all losses of camera gear that you list. Fast forward to the 5th. of December.
My wife and I were out taking photos, I was using her Canon 300 L. I wanted to sneak a little closer to an Eagle that was feeding on a dead Salmon at the waters edge of the Samish River. Well, the little embankment that I was trying to sneak down was quite a bit slicker than I thought it would be. I slipped and fell down. My body and my right elbow took the brunt of the impact. Nothing was broken except my pride and a tremendous chance for an awesome photo.
Or, at least that is what I thought until I tried to take another photo.
The camera and lens would not communicate. The Lens would not focus.
That's when I remembered that the lens was a used lens that I had bought, so there was No Warranty on it.
We called Canon as soon as we got home. They said to ship it off to them for an estimate on the repairs. So, I rushed it to them. The bill turned out to be $308.75.
But I paid it immediately so that we could get the lens back as soon as we could. They did the repairs and shipped it back to me post haste within 7 days.
When I got it back I tested it out and it worked Fantastic!
Then I remembered I had Insurance on the lens!
I called my Local State Farm Insurance company and talked to my Representative. She advised me that the lens repair was indeed covered by my policy, so they are mailing me a check to cover 100% of the repairs and shipping!
If you are a Photography nut like I am and you own a DSLR and a couple of lenses you really owe it to yourself to purchase Insurance to cover your gear!
My insurance only cost me $105 per year for all the cameras and lenses that I have listed, but it has Already Paid for Itself in just a few short months! I suggest that you Highly consider getting this kind of coverage on your gear!
Dick
