Thanks for the tip. I have State Farm and will be calling my agent tomorrow to find out about coverage.
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Scubatooth:I have a inland marine policy for covering my UW camera gear and its inusred through state farm. It covers everything from simple damage to lost or destroyed.
for 5200 worth of camera gear i payed $59 for all the coverage.
FWIW
Tooth
crpntr133:Good thing is that you don't have to have a rider to get the gear insurance. I found out that most other companies will not give you a policy that covers you camera in case of a flooded housing.
Puck:Without the rider, you are subject to the deductable (in my case $1,000), with the additional rider there is no deducable.
BurBunny:Just be aware of an issue in some states which can affect you when insuring through your homeowners policy. In some states, if you have 2 claims in three years, of any type, against your policy, you could be subject to being classified high risk and at risk of losing your insurance. That is the case in Colorado. You can have one camera theft and a break-in on your car, neither one even related to damage to your home, and you are either uninsurable or at exhorbitant rates.
While I could insure my gear at a much lower cost than through DEPP, there's no way I'm going to let damage to my gear affect protection to my home.