Camera Insurance ?

[H2OMAN211]

I have recently upgraded to digital from film at a hefty price so now I'm looking at insuring my rig . I was thinking of purchasing the rider from DAN for but I would like to know if anyone has this coverage , has anyone filed a claim , and how was it handled ? Any horror stories ?

 

[driftin' by]

FWIW.... I'm not familiar with the terminology but we got additional coverage with our home owner's policy which covers damage or loss on the camera or housing. IIRC, it's only about $30 a year and they know what we're using it for. I dropped my A95 on the hard Cozumel concrete and got full price for what I paid for it.... not the depreciated/replacement value. The claim was handled in about 3 days at my agent's office.