Do you have insurance for your gear?

[Addict]

I'm curious as to what people use to cover their gear if it ever gets broke/lost/stolen.

Do you have insurance, and if so - what kind?

 

[Michael Schlink]

Yes, through the link @ DAN

 

[sharkdiver00]

Yes, through DEPP

 

[Addict]

Anyone know if any of your stuff is covered under your home owners insurance?

 

[sharkdiver00]

I know that there is a clause on the ins policy of mine, but it is not worth it.

 

[nauifins73]

I have a seperate independent policy (other than homeowners) with State Farm - I have everything that I take on a dive trip listed. I have heard that common homeowner's policies don't cover losses on trips.

Becky

 

[SubMariner]

I have a seperate independent policy (other than homeowners) with State Farm - I have everything that I take on a dive trip listed. I have heard that common homeowner's policies don't cover losses on trips.

Becky

Not only will most policies NOT cover the gear outside the US, but if you do want a comprehensive policy, you'll probably have to schedule it all out on a separate rider.

To be honest, DAN or DEPP are much better options. At least they know about dive equipment; the usual carriers don't.

JMHO,

 

[Divegirl412]

DAN insurance. Homeowners policies' deductibles are usually too high to be worth listing the scuba equipment, and running the risk of higher premiums if you bother to report a loss.

 

[Addict]

Good points. With DAN do you have to itemize, or do you pay for insurance based on the value of all of your gear?

 

[nauifins73]

Mine policy lists everything and the purchase price - from my laptop to my regulator to my camera and housing - purchase price. It is a new cost replacement policy and runs about 150.00 a year. I can't get new fins for that price