This post is for readers, who love photography. Do you have a costly camera? If you do then we will tell you why to get camera insurance. When you have credit cards from Chase or American Express, then cameras purchased with those cards automatically come under price protection, theft protection, and accidental loss or stolen goods coverage. But if you didn’t buy your camera with those credit cards, then you should get insurance.
Photography is a wonderful art- there is no question about it. It’s also one of the best ways to earn money online. However, high-end DLSR cameras are quite expensive. So, it’s only smart to take measures to protect it from physical damage. Comprehensive camera insurance can be a good solution for that.
A good photographer will have costly cameras. Even more costly lenses. The following are some of the biggest reasons to get camera insurance:
Cameras are Expensive
You can’t take quality photos unless you have quality hardware i.e. advanced cameras, top of the line lenses, and other accessories.
So, if you have expensive equipment and you lose it, then you can end up losing a fortune. However, if you have insurance, then you may get reimbursed for your belongings.
Your Livelihood Could be at Stake
If you are making money as a photographer, then losing your camera could mean losing your livelihood, even if temporarily.
If you don’t want to face a situation like that and ensure that you and your family don’t have to suffer, then you must get adequate cover for your camera.
Camera Insurance is Cheap
Compared to other kinds of insurance products like home insurance and health insurance, camera insurance is dirt cheap. In most cases, it won’t set you back by more than $10-$20 a month.
So, it’s easily affordable and won’t hurt your finances in any major way.
Note: If you have homeowners or renters insurance, then your camera and its accessories might be already covered. However, you can increase the coverage further by checking the details of property coverage.
You Can Get it After the Purchase
You don’t necessarily need to buy camera insurance at the time you buy the equipment itself. It’s fine to focus on purchasing the right products at the right prices first.
You can always invest in camera insurance later. Unless your camera is too old, you will be able to get adequate insurance for it without a problem.
Cover What Warranty Doesn’t Cover
There are some things that the warranty doesn’t cover. These include theft, physical damage, etc.
However, risks like these exist nonetheless and can’t be avoided 100%…not unless you have insurance!
A comprehensive insurance plan can cover all kinds of risks that exist for your camera.
You Can Get it Online
Gone are the days when to get insurance, you had to fill out all kinds of forms and submit different kinds of documents.
Today, you can get any insurance product online and that too in a short period.
You can compare insurance products online, complete the process online, and pay the price online as well.
Peace of Mind is Priceless
Having insurance of any kind is emotionally calming and gives assurance that even if things go south, you have a backup plan that can save you from financial and emotional loss.
That’s something you can’t put a price on!
The concept of insurance isn’t exactly new. People frequently purchase home insurance, life insurance, and even phone insurance.
However, few are aware of a product like camera insurance. If you are a casual photographer, then you may not find it that useful.
However, if you are a professional or just happen to have an expensive camera, then camera insurance is something that you should consider for sure.