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Now offering monthly payment options at checkout! Starting at $12/month

Camera Equipment Insurance

• Photography Equipment coverage up to $75,000
• Cameras, Lenses, Gimbals Protected
• Professional and Cyber Coverage Optional

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Annual Plus

Includes camera gear protection. Protects professional photographers for a full year.

• Cameras, Lenses, and More Protected
• $1,000 per item / $5,000 aggregate
• Professional and Cyber Coverage Available

Photography Equipment Insurance Details

You can add to your Annual Plus coverage with the following options:

• $2,000 per item/ $20,000 aggregate + $75
• $5,000 per item/$30,000 aggregate - [MOST POPULAR] + $87
• $10,000 per item/ $60,000 aggregate + $220
• $15,000 per item/ $75,000 aggregate + 294

* $250 Deductible

Don't Let Accidents Keep You From Working

You may be wondering what types of claims photography equipment insurance covers. As a professional photographer, you take utmost care to prevent mishaps, but unexpected incidents can still occur. Here are some common claims you could face as a photographer, and how much our insurance coverage can protect you:

All policies have conditions, limitations, and exclusions, please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage. Gear that is unattended and stolen is not covered.

Learn More About Camera Equipment Insurance

What is photography equipment insurance.

Photography and videography camera equipment insurance covers your cameras, lenses, lighting equipment, and other camera-related gear on and off-premises of a shoot and during transportation. If you are a photographer or videographer who travels to various locations, adding Full Frame’s equipment insurance to your annual policy is necessary to protect the tools of your trade.

Should your photography equipment be stolen or damaged, you could be looking at thousands of dollars in replacement costs. A loss of this magnitude could affect your bottom line due to downtime or the financial strain of replacing your equipment. Camera Equipment Insurance can be added to a Full Frame Photographer Insurance or Videographer Insurance annual policy for as low as $55 per year.

We also offer professional and cyber coverage, learn more here Buy Now

Who Needs Camera Insurance

Professional photographers who work with expensive equipment all need camera and photography equipment insurance. We understand how important your equipment is to you—that is why we created an insurance policy to help you cover damaged or stolen items. 

If you are a professional photographer looking for camera & photography equipment insurance, then you’ve come to the right place!

Photography Equipment Insurance Covers:    

• Professional Photographers
• Freelance Photographers
• Landscape Photographers
• Wedding Photographers
• Photography Businesses
• Excludes hobbyists 

Affordable Professional Camera Insurance

Get affordable camera insurance with a Full Frame annual general liability policy included. You can personalize your policy to fit your unique business needs and exposures. Enjoy an affordable, low-price policy and access to our non-commission agents. 

You can add photography equipment insurance to your annual policy and review the limits and pricing options. You can add the coverage you need at checkout.

What Kinds of Damage or Loss Can Camera Equipment Insurance Cover?

Camera gear insurance provides comprehensive equipment coverage for many common liability risks that professional photographers face when it comes to equipment damage or loss. These risks include:

• Damaging your equipment on the job
• Damaging your equipment during transportation
• Damage to your equipment by a third party
• Damage to or loss of your equipment as the result of an accident, like a fire or building collapse
• Loss of equipment from theft, as long as it is documented

Even With camera equipment insurance, claims can still happen, but their consequences don’t have to be financially devastating. Professional camera insurance can help mitigate or eliminate the cost of replacing or repairing your camera gear.

Frequently Asked Questions About Camera Equipment Insurance

How much does camera equipment insurance cost.

Full Frame provides photographers and videographers with several Camera Equipment Insurance options to fit their business needs. Starting at just $55 per year, photographers and videographers can protect their gear for up to $1,000 in coverage per item with a $5,000 aggregate limit.

If additional coverage is needed, you may opt to upgrade your Camera Equipment Insurance. The highest amount of coverage Full Frame provides caps at the cost of $349 per year for up to $15K in coverage per item with a $75K aggregate limit. There are several options available between the lowest and highest rates.

Full Frame’s Camera Gear Insurance Options

• $1,000 per item/ $5,000 aggregate – $55
• $2,000 per item/ $20,000 aggregate – $130
• $5,000 per item/$30,000 aggregate – $142
• $10,000 per item/ $60,000 aggregate – $275
• $15,000 per item/ $75,000 aggregate – $349

Do I Have To Pay A Deductible To Receive Coverage For My Damaged Gear?

Hopefully you never have to file a claim for your damaged gear, but if you do, there is a deductible of $250 per claim that you will be required to pay before receiving coverage. You will not be required to pay a deductible at any time other than when you file a claim for damaged gear.

What Does Camera Equipment Insurance Count As “One Item” For The Purposes Of Coverage?

An item is defined as one or more objects that were included together at the time of purchase. For example, if you purchased a camera body that came with a camera lens, both the body and the lens would be considered one item. However, if the camera body did not come with a lens, and you had to purchase a lens separately, each object would be considered as its own individual item.

Will My Camera Equipment Insurance Cover Me Outside Of The Country?

Yes! Go ahead and book that international shoot. Our camera equipment insurance is a worldwide policy and will cover your gear outside of the United States. We can insure your cameras, lenses, lighting equipment, and more. This policy is designed to respond to camera equipment insurance claims on and off premises and during transportation.

Does Camera Equipment Insurance Cover Rented Gear?

No, it does not. Full Frame Insurance only offers camera equipment insurance to photography equipment owned by the photographer.

Will Camera Insurance Cover My Gear If It Is Stolen From My Car?

No. Full Frame Insurance does not protect for theft from an unattended vehicle or trailer unless the owner or an employee is within 10 yards and only during loading or unloading of equipment.

What Kinds of Equipment are NOT Covered by FFI?

FFI’s equipment coverage is based on a type of policy called Tools & Equipment Insurance (sometimes referred to as “Inland Marine”). This means the kinds of equipment we insure are limited to the specific tools you rely on to produce the final product of your business. These tools must also be mobile in nature, as in, equipment that is regularly transported as part of your work. Things like your camera, portable hard drives, mobile lighting, microphones, and even certain computers are all eligible for coverage. FFI will NOT insure things like:

-Permanently installed studio lighting, furniture, or props. -Things used to help you gain access to a shooting location. (Camping equipment, climbing gear, outdoor apparel, etc.) -Your car or other means of transportation. -A laptop or electronics that aren’t primarily used for business purposes. -Anything that is contraband or in the course of illegal transport.

FFI also does not offer coverage for drones at this time as high loss probability and certain FAA regulations make them difficult to insure.

We know insurance can be overwhelming

Contact a full frame specialist for assistance today, related articles.

Camera Equipment Insurance 101: Your Complete Guide

What camera equipment insurance is right for your business? Here’s a few top questions most photographers have about buying camera equipment insurance.

5 Useful Tricks To Protect Your Camera Equipment From Harm

Camera equipment damage sucks. Luckily there are loads of ways to protect your gear and provide yourself with that extra bit of assurance and peace of mind.

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Cyber Liability

Cyber liability insurance protects your business from the cost of first- and third-party claims that arise from a cyber security breach within your business. Cyber crime has become a common threat for businesses both big and small. If you collect or store business information online on a computer, tablet, or mobile device, we highly suggest including this additional protection to your policy.

'Failure to Deliver' Coverage (Professional Liability)

‘Failure to Deliver’ Coverage, also known as Professional liability insurance, can protect your business from the cost negligence claims that arise from professional errors and omissions, like giving bad instruction or failing to provide necessary information on a subject. If you teach classes or run demonstrations as part of your business, we strongly recommend this additional coverage option.

Additional Insureds

When you add a person, event, or organization to your policy as an additional insured, they receive protection if they are named in a suit due to a covered business-related loss/claim because of your actions or operations.

Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

A written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured.

General Liability

General liability insurance can protect your business from the cost of third-party bodily injury and property damage claims, like if a client trips on your business equipment and injures themselves. It also protects against the cost of copyright infringement claims, personal and advertising injury claims, and more.

Damage To Rented Premises

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, like a studio or event booth. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. Full Frame provides unlimited additional insureds for just $30.

Camera Equipment Coverage

Also known as inland marine insurance, camera equipment coverage can protect your business from the cost of repairing or replacing damaged or stolen business equipment—including camera bodies, lenses, lighting equipment, and more. Our policy can protect against claims that occur at home, on a job and anywhere in between. Full Frame offers multiple coverage options for equipment insurance based on your business needs.

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Best Providers for Photography and Camera Insurance 2024

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The risks photography businesses face can be significant. So are the costs associated with these risks. Camera insurance is a must. Whether you’re a serious hobbyist photographer or a seasoned pro . At the very least, camera insurance will help you replace a cracked lens . Photography insurance will also protect you from potential lawsuits. Here’s what you need to know about camera insurance.

Equipment and Camera Insurance

Liability Insurance

Errors and Omissions Insurance

How Much Is Your Photography Gear Worth

Camera Insurance Pricing

Always Read the Fine Print

Photography and Camera Insurance Brokers

A single claim can be devastating to a business. Sometimes damages and injuries are real. Other times, lawsuits can be baseless and frivolous. You need to be well prepared for either occurrence. Work with a licensed insurance professional. This will help you determine what camera insurance policy you need. This is also for any employees who may also work with clients providing services. Sometimes, a general liability insurance policy will be enough. A broker can help you figure this out. For more information on protecting yourself as a photographer, check out our articles of when you need a photo release form or what your photography contract should include.

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Travel Photography Insurance (Finding Providers and Claiming)

Table of Contents

Traveling the world and capturing its beauty through a lens is an exciting endeavor for photographers. However, it’s not without risks . The possibility of damaging or losing valuable camera gear can have significant financial implications. That’s where travel photography insurance comes into play.

Unlike regular travel insurance, it offers specific coverage to safeguard your equipment against various risk factors associated with international traveling.

Whether it’s public liability or event policy, understanding different types of coverage available can help photographers protect their investment and focus on what they do best – creating stunning photos.

Evaluating Camera Equipment Worth

The worth of your camera gear is a crucial factor to consider when purchasing travel photography insurance. It’s not just about what you paid for it, but also how the market values it today .

Understanding Current Market Value

When we talk about the cost of your camera equipment, we’re referring to its current market value. This is what someone would be willing to pay for your gear in its present condition. You can check online platforms like eBay or Amazon for similar used items to get an idea.

• For instance, if you bought a DSLR camera five years ago for $1000 and similar used models are now selling for $500, that’s your current market value.

Considering Depreciation and Wear and Tear

Just like cars or laptops, camera equipment also depreciates over time. The more you use it, the less it’s worth – that’s wear and tear.

• A lens that has been heavily used on multiple trips might have lost half of its original value.
• Even if it’s still working perfectly, tiny scratches or dents can reduce its resale price significantly.

Importance of Keeping Receipts

Keeping receipts and documentation for all your gear is vital. These papers serve as proof of purchase date and price which help in estimating the current value.

• If you’ve got a high-end tripod that cost a pretty penny but lost the receipt, proving its initial cost might be challenging.
• Without proper documentation, getting full reimbursement from insurance companies could be tricky.

Role of Professional Appraisals

Sometimes it’s best to seek professional help when determining the worth of your gear. Camera shops or appraisal services can provide accurate evaluations based on model, condition and market trends.

• A professional appraiser might evaluate a vintage film camera at a higher-than-expected rate due to increased demand among collectors.

Impact of Unique or Rare Items

Unique or rare items can greatly impact the total value of your equipment. Limited edition models or vintage pieces often have higher market values due to their rarity.

• A limited-edition Leica camera might fetch a much higher price than a regular model, increasing your overall gear worth.

Effect of Frequent Upgrades

Frequent upgrades can also affect the overall worth. Newer models usually depreciate slower than older ones.

• If you upgrade your camera body every two years, its resale value will likely be higher compared to keeping the same body for five years.

Insuring Your Camera Equipment for Travel

Travel photography is a thrilling adventure. But, it’s vital to have the right insurance cover when you travel with photography gear .

Global vs Regional Coverage Policies

When choosing between global and regional coverage policies, consider where you’ll be shooting. If you’re a globetrotter, worldwide coverage is best. This type of policy covers your photographic equipment in any corner of the world. On the other hand, regional policies are cheaper but only cover specific areas.

Understanding Policy Exclusions

Policy exclusions can be tricky. For instance, some policies won’t cover theft without forced entry. That means if your camera gear gets stolen while it’s not locked up, you may not get compensated. Always read the fine print to understand what’s covered and what’s not.

Accidental Damage Coverages

Accidents happen! Drops or spills can damage your precious photography gear. That’s why accidental damage coverage is crucial in a camera insurance policy. It ensures that even if you accidentally drop your camera or spill something on it, you’re still covered.

Insuring Rented or Borrowed Equipment

Sometimes, we rent or borrow equipment during travels. Good news – there are options for insuring these too! Some insurance providers offer temporary coverage for rented or borrowed equipment.

Updating Policy with New Gear Purchases

Got yourself new gear while traveling? Remember to update your policy immediately! If anything happens before updating the policy, your new equipment might not be covered.

Checking Home Insurance Coverage

Before buying travel photography insurance, check if your home insurance covers camera gear abroad. Some home insurances do offer such extensions as part of their package.

Comparing Top-Rated Camera Insurance Providers

Key factors to consider.

When shopping for camera insurance options, several factors come into play. The cost of the premium is a biggie.

Next up is coverage options. Do they cover loss, theft or damage? You’ll want to know what you’re getting before you fork out your hard-earned cash.

The claim process is another critical factor. If something goes wrong, how easy will it be to get your money?

Lastly, customer reviews can give you a sneak peek into what it’s like dealing with these providers.

Specialized vs General Insurers

Specialized photography insurers are all about cameras and gear. They understand photographers and their needs better than anyone else.

On the other hand, general insurers offer camera coverages as part of their broader portfolio. They might not have the same level of expertise but they often have more resources at their disposal.

The best option depends on your specific needs and circumstances.

Multi-Item vs Single-Item Policies

Multi-item policies cover all your gear under one policy. It’s convenient and often cheaper if you have a lot of stuff to insure.

Single-item policies let you insure each piece separately. It gives you more flexibility but can be more expensive in the long run.

Weigh the pros and cons carefully before making a decision.

Short-Term vs Long-Term Policies

Some providers offer short-term policies based on travel duration needs while others only offer long-term ones.

If you travel frequently for short periods, short-term policies might be more cost-effective for you.

On the flip side, if your travels are few but long, long-term policies could save you some bucks.

Business Interruption Compensation

For professionals whose work is affected by loss/damage/theft incidents while traveling, some providers offer business interruption compensation.

It’s like an income protection insurance that kicks in when things go south. It’s a great option to have if you depend on your camera for your livelihood.

Spotlight on Notable Insurance Providers

Today, we’re shining a light on some top-rated insurance companies. We’ll explore their offerings, reputation, and customer experiences.

Key Features of Top-Rated Providers

Many insurance companies offer worldwide. For instance, World Nomads is renowned for its extensive insurance coverage. They’ve got your back whether you’re snapping photos in your backyard or halfway across the globe.

Another company making waves in the travel insurance industry is Saftey Wing .

User-Friendliness of Online Platforms

In today’s digital age, a user-friendly online platform is essential. Both World Nomads and Safety Wing have intuitive platforms that make policy management and claims filing a breeze.

You can easily tweak your coverage, add additional policy options, or file a claim with just a few clicks. This ease of use can save you precious time when you need to get back to capturing stunning images quickly.

Understanding the Claim Process

Travel photography insurance is a must-have for any globetrotting shutterbug. But, what happens when you need to make a claim? Let’s break it down.

Immediate Steps After an Incident

So, your camera got nicked while you were capturing the sunset in Santorini. Bummer! First things first, report the theft to local authorities.

• Get a police report ASAP.
• Try to provide as much detail about the incident as possible.
• Remember, this isn’t just about getting your gear back; it’s also crucial for your insurance claim process.

Necessary Documentation for a Successful Claim

You’re gonna need more than just your word to get that claim approved. Here’s what you should have on hand:

• The aforementioned police report (you did file one, right?)
• Receipts or proof of purchase for your stolen gear
• Photos of the scene (if possible)

These documents will help strengthen your case and speed up the claims process.

Typical Timeframes for Claim Processing and Payout

Now comes the waiting game. How long does it take for an insurance company to process a claim? Well, it can vary.

In most cases, expect anywhere from two weeks to a couple of months before you see any dough. It’s not ideal but hey, patience is virtue!

Reasons Why Claims Might Be Denied

Don’t get too comfy yet — there are reasons why an insurer might deny your claim:

• You didn’t provide enough evidence.
• Your policy doesn’t cover what happened.
• There was negligence on your part (like leaving that expensive lens unattended).

It sucks but these are legit reasons in their book.

Honesty is Key When Describing Incidents

Last but definitely not least: honesty is key when filing claims. Don’t think about jazzing up that incident report or leaving out details that might seem unimportant.

• Lying or exaggerating could lead to your policy getting cancelled.
• Even worse, it could land you in hot water legally.

Always remember: Honesty is the best policy when dealing with insurance claims.

Importance of Photography Insurance

Having evaluated the worth of your camera equipment, understood the process of insuring it for travel, and compared top-rated providers, it’s clear that photography insurance is a critical investment. The spotlight on notable insurers and insight into the claim process further underscores its importance. Not only does it provide financial protection against loss or damage but also peace of mind when traveling.

Photography insurance is not just an afterthought; it’s an essential part of your travel photography business journey. Therefore, don’t wait until you’re faced with a mishap to consider getting insured. Act now! Review your options carefully and choose an insurance provider that best suits your needs.

Travel Photography Insurance FAQs

When selecting an insurance provider for your camera, consider their coverage scope, premium rates, claim process ease, customer service quality, and reputation in the market.

Yes. Most top-rated insurance providers offer worldwide coverage for your camera equipment. However, terms may vary depending on the policy and provider.

You can determine your camera equipment’s value by considering its purchase price, current market value, condition (new or used), and any additional accessories included.

Coverage depends on the specific policy chosen. While some policies cover accidental damage or theft others might not include natural disasters or wear-and-tear damages.

Typically, you will need to contact your insurer as soon as possible after noticing damage or loss. You’ll be asked to provide details about what happened along with supporting documents such as receipts or police reports if applicable.

I’m a professional travel photographer, and I’ve been living the digital nomad lifestyle since 2016. I make money by working on client assignments, selling stock photography and helping other photographers by sharing my experiences on this website. I move around at my own pace (I hate fast-paced travel) and like to spend a few months getting to know each place I base myself in.

My writing and photos have been featured on industry leading websites such as Digital Photography School , Atlas Obscura and the world’s leading underwater photography resource The Underwater Photography Guide . I authored an eBook called “ Breaking Into Travel Photography: The complete guide to carving out a career in travel photography ” that has been published on Amazon. My stock images have also appeared in ads promoting destinations and companies that sometimes has been a surprise, even to me. But I guess that’s the nature of stock photography, you never know who will license them!

I’m always happy to connect, so feel free to reach out!

The best camera insurance for photographers: cover your kit!

Your camera equipment deserves proper cover, but who provides the best camera insurance in 2024?

We all want the best camera – so surely we need the best camera insurance to go along with it. After all, we sink serious cash into our photographic kit, and if the worst happens and it gets lost, accidentally damaged, or even stolen, you want the proper protection in place.

Public liability insurance is also necessary for some photographers, covering you in the case of a member of the public (or client) getting injured or their property damaged as a result of your photography. This type of insurance is wise for wedding, portrait and event pros, or those running workshops in a public space.

Setting up a camera insurance policy is sensible if you're running a photography business, but really, it's a good idea for anyone who has invested money in the best cameras , lenses, lighting equipment and other pricey accessories.

Just think of all the camera accessories in your setup, from flashguns and tripods to microphones and ND filters … not to mention the glass! Telephoto lenses , portrait lenses , quirky Lensbaby lenses – you can easily end up with a collection of optics that are worth more than your actual camera.

And if you photograph weddings , shoot live music , or cover any other events where you'll be mixing with large groups of people, you may well find that your general household insurance might not cover these situations.

The best camera insurance in 2024

Why you can trust Digital Camera World Our expert reviewers spend hours testing and comparing products and services so you can choose the best for you. Find out how we test.

The question is, whatever the particular insurance premium may cost, is the alternative – no insurance – something that you can really afford?

We've looked at the insurance companies that specialise in dealing with photographers on a daily basis. Here are the candidates that provide the best camera insurance options for UK photographers in 2023…

1. Ripe photography insurance

Bespoke insurance for cameras, photographers and videographers  

Ripe understands that no two photographers are the same – and neither are two bags of kit. That's why it offers bespoke camera insurance that features worldwide coverage for traveling, cover against theft from your home or an unattended vehicle, as well as accidental damage both at home and while away. 

Beyond just cameras, though, Ripe also offers broader photography insurance , with equipment cover for lenses, stands, tripods, cases and other accessories, as well as coverage for portable and studio equipment, as well as offering Public Liability cover – and there's also an option to add cover for your phones and tablets if they're part of your photography workflow. 

There's even dedicated consideration given to videographer insurance cover , too, so vloggers and cinematographers alike can tailor-make a policy to suit their specific needs. On top of all that, Ripe also has one of the most intuitive and helpful websites out there – including a special page that prompts you to double-check everything in your kit bag! Coverage starts from just £5.09 per month, and right now there's 20% off all policies.

2. Photoguard

£50 excess makes Photoguard stand out among rivals

Photoguard is a specialist when it comes to protecting your photographic equipment that might not otherwise be covered by your regular household insurance. It also makes the point that if you’re using the camera as a professional photographer, you may not be able to claim on your home insurance. A major advantage with Photoguard is that it has a claims excess of just £50 and can cover you for travel both in the UK and abroad. 

Like others here, there are a couple of policies to choose from to speed up the application process, with the Select policy, covering a equipment to a maximum value of £25,000, and the Pro policy boosting this to £50,000 (and still with the same low £50 excess fee). The Pro policy also extends to covering 'associates' – which it classifies as fellow photographers or assistants who work with you – against claims by third parties. Potentially very useful, not to mention cost saving. 

3. Towergate insurance (Camerasure)

All-risks cover for professional photographers and videographers

Of greater value perhaps to the all-jobbing professional than the strictly amateur – though it does offer a ‘semi pro’ option for enthusiasts – Towergate’s Camerasure insurance products are pitched primarily at freelance photographers and videographers, as well as those performing similar roles within multimedia institutions (translation: photo labs, picture libraries and media agencies). 

Notably, as well as protecting your photographic equipment, it can also cover computer breakdown and data loss – equally crucial in this digital age – and any such damage/loss resulting in the need for a reshoot. If you’re travelling abroad for a shoot and can’t stash all your camera gear in your hand luggage, you'll be pleased to know it also covers damage to kit stored in the aircraft hold. 

Cover also extends to potential legal liabilities to customers, employees and the general public, as one would expect of a pro policy. Another advantage is that Towergate Camerasure partners with a number of professional bodies – The RPS , for example – to give its members up to 40% discount off premiums, subject to certain criteria.

4. Aaduki multimedia insurance

Specialist insurance that includes equipment cover and liability insurances

As everyone’s requirements will be different, you may find a ‘tailor-made’ policy is best. Dealing with the photo trade for the past 12 years, and catering to both amateurs and professionals, that’s exactly what Aaduki offers, using a panel of insurers rather than just one. 

This also means that the terms and conditions will vary from policy to policy and customer to customer; however, it also means that if one insurer is quoting too high for your liking, it can approach an alternative on your behalf who may be able to provide a more competitive premium or better terms. 

In terms of coverage, peace of mind is offered by the fact Aaduki ’s policies are universal ‘all risks’, meaning you’re covered fully for theft, accidental damage and accidental loss. If holidaying, customers can also include 60 days of worldwide cover or unlimited worldwide cover. 

Instead of dealing with call centres abroad, customers can also source quotes direct from experts based in its UK office. Furthermore, members of the photography trade body, The Societies , get a discount. 

5. Infocus photography insurance

Comprehensive insurance protection for photographers

Infocus offers insurance protection for both photographers and video makers, helping protect your business and enable it to quickly recover from any catastrophes. With its policies underwritten by Hiscox Insurance, there's the ability to pay in interest-free installments, while worldwide cover is also offered for photographic equipment. Interestingly, the company says it can also provide PR help if you ever need crisis containment. 

To make sure applications are quick and easy, there are two levels of off-the-peg insurance policies offered to photographers and videographers, namely Basic and Standard. Priced at £199 and £299 per year respectively, they cover equipment to the value of £5,000 or £10,000, as required. 

Both of these policies provide professional indemnity, which enables you to pay compensation to a third party who brings a claim for professional negligence, as well as public liability to cover you against injury or loss to third parties and their property, in addition to crisis containment insurance. Alternatively, you can create your own bespoke policy by using its website, or by calling its UK team direct to discuss. 

5. Eversure Insurance

At the affordable end of the spectrum, with cover from just £19.99

Featuring theft and accidental damage as standard, Eversure's photography insurance is Feefo Platinum-rated and offers an impressive range of cover at a competitive price. 

Underwritten by Ageas, this cover suits amateur and professional photographers alike, with accidental damage and theft cover as standard, and optional cover including up to £10 million worth of public liability, employer’s liability and worldwide cover. Eversure insurance will provide peace of mind to any photographer. 

There's a range of cover levels, and it's easy to get a quote on the Eversure website. If your camera gear does get damaged or stolen, Eversure will pay out for its replacement or replace it with new kit at its original value when bought.

Based in Guildford, Surrey, Eversure says its team is on hand to answer queries during normal working hours, with policy amendments being able to be made either via phone or email.

6. PhotoShield

Photography and videography insurance for pros and semi-professionals

PhotoShield offers three standard tiers from £99 to £299, plus a Bespoke option, giving those who derive their income from photography some scalability in their coverage. Going Bespoke gives you the flexibility to accommodate non-standard cover, as well as options like employers' liability and studio/contents cover. 

The £299 Option 3 comprises worldwide photographic equipment coverage of £10,000, worldwide laptop coverage of £1,500, static computers/equipment cover of £3,500, business interruption of £250,000, professional indemnity of £100,000, public liability of £2,000,000 and more. 

Your kit is also covered in unattended vehicles (subject to being stored out of site) and in aircraft holds (provided it is stored in a Peli Case). PhotoShield replaces kit on a new-for-old basis across all its policies and is underwritten by Liverpool Victoria Insurance (LV=) in the UK, and Gable Insurance in Eire.

7. The Insurance Emporium

Tweakable insurance from £1.70 per month, with a 25% introductory discount

The Insurance Emporium has two comprehensive base policies, to which you can add elective benefits. Amateur and Semi-Professional policies are for photographers who earn less than 50% of their income from photography, with less than £25k of equipment; Professional policies are for those who earn more and own up to £50k of equipment. 

Amateur & Semi-Professional policies include theft, loss or accidental damage, new for old, unattended vehicle, worldwide cover, replacement hire, data recovery, public liability and personal accident coverage. Professional policies also feature accidental portfolio damage, props, professional indemnity and business interruption. 

The Insurance Emporium 's elective benefits include the addition of gadgets and mobile phones, sports and action cameras, waterproof photographic equipment and other useful options. 

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With over a decade of photographic experience, Louise arms Digital Camera World with a wealth of knowledge on photographic technique and know-how – something at which she is so adept that she's delivered workshops for the likes of ITV and Sue Ryder. Louise also brings years of experience as both a web and print journalist, having served as features editor for Practical Photography magazine and contributing photography tutorials and camera analysis to titles including Digital Camera Magazine and   Digital Photographer . Louise currently shoots with the Fujifilm X-T200 and the Nikon D800, capturing self-portraits and still life images, and is DCW's ecommerce editor, meaning that she knows good camera, lens and laptop deals when she sees them.

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Camera Insurance: Who Needs It and How to Get It

In the digital age, where creating visual content has become an integral part of our lives, the tools we use — namely our cameras — have grown in capability, complexity, and value. From YouTubers to photographers to professional filmmakers, the need to safeguard these investments is increasingly important. In this article, you’ll learn all there is to know about camera insurance and how it can secure your investments.

What is Camera Insurance?

Camera insurance generally covers equipment and business personal property for use in connection with entertainment, media, and communication productions. It specifically caters to photographers and cinematographers, protecting their photography and cinema cameras against unforeseen mishaps.

Depending on the amount of coverage and policy duration, insuring a camera can cost anywhere from $500 to $5,000 per year. Factors such as the total cost of the camera or camera package, whether the policy is short-term or annual, and scheduled/non-scheduled items all play a role in determining your rates.

What Does Camera Insurance Cover?

Camera insurance safeguards an extensive range of gear. Not limited to just the camera body, it covers other tools including drones, lenses, gimbals, camera controls, and even some accessories like matte boxes and external monitors like the  Atomos Ninja V . 

Coverage is generally divided into two categories:

• Scheduled items : This usually involves listing each piece of equipment with their serial numbers, especially for items priced over $5,000.
• Unscheduled items : Gear priced under $5,000, including accessories, are often covered without individual listing.

Coverage can protect your equipment against a range of accidents and damages. Typically, these include general damage but it’s essential to understand the specifics of a policy since some insurance might only cover incidents in a particular country where others might require a short-term policy to cover travel outside of your country of residence.

What kinds of accidents and damages might be covered?

Camera insurance provides coverage against a range of mishaps including fire, theft, and accidental damage. While most policies offer protection against equipment failure, specifics can vary. Water damage, though, may not always be covered. This underscores the importance of carefully reviewing your policy’s terms and conditions.    

Windstorm, Hail, & Flood damage is usually covered but has an average of a $1,000 deductible. There are caps on losses beyond a certain amount in the policy you choose or the company that issues the insurance. A general deductible for smaller, less expensive accessories usually floats around $500. 

What kinds of accidents and damages might not be covered?

Bear in mind that some exclusions apply on what a policy is willing to pay out. Policies often won’t cover loss from individual decisions, breakage of fragile items (unless specific events like theft or fire cause it), consequential loss, and damages from dampness, dryness, or temperature extremes. 

Dishonest acts, fraudulent schemes, governmental actions, and unauthorized transfers aren’t covered. Additionally, wear and tear, rust, and damages from unauthorized property transfer are typically excluded. Always read the fine print to understand the specifics.

What is the Best Insurance for Photographers?

When it comes to camera insurance, there are plenty of choices abound. However, the two most prominent companies in the domain are  Insure My Equipment  and  Athos . These organizations offer various insurance types tailored to your individual needs:

Rented Equipment Coverage

This protects production equipment rented from third parties. Features can include:

• Custom policy terms from days to years
• Personalized insurance limits, deductibles, and added coverage
• I nstant, free certificates of insurance for vendors
• Worldwide coverage for international projects

Owned Equipment Coverage

This covers personally-owned equipment. This Aalso extends to rented gear if added during application. Features can include:

• Available for 6 months or annually
• Choose insurance limits, deductibles, and added coverage
• Worldwide coverage for those on the move
• Option to add rented equipment coverage and generate COIs without extra charge

General Liability

Offered through partnerships, like with Thimble at Insure My Equipment, this provides on-demand general liability coverage. Features can include:

• Buy a policy for as little as a few hours up to nearly a year
• Easily submit insurance certificates, listing vendors as additional insureds
• Add crew members, employees, volunteers, etc., ensuring coverage for allChoose from annual policy coverage, select your insurance limit, and benefit from worldwide coverage
• Options available during application include water use, theft from an unlocked vehicle, and rental reimbursement

Of course, creators of all types might be able to harness some supplemental coverage or umbrella coverage from other policies they already have. With some of these other types of insurance, your camera and accessories may already be covered or offer additional protection:

• Business Owner’s Policy : This is ideal for photographers or cinematographers operating a studio or office. This policy not only covers the equipment but also protects against property damage or bodily injury claims stemming from business operations.
• General Liability Insurance : This is perfect for solo artists or one-man-band production companies. If you’re hiring others or getting hired out, this policy covers damages or injuries during a shoot.
• Business Property Insurance : This policy focuses on equipment, especially if you’re storing it in studios, offices, or external locations.

While choosing an insurance type, consider the nature of your work. Solo professionals working from home might not need extensive coverage, but those operating from studios or hiring employees might require comprehensive policies. 

If you have Miscellaneous Rental insurance as an extension on your policy, you can write a certificate of insurance (COI) so if someone else’s gear gets damaged under your own insurance you’re covered since you are the one who’s responsible. This type of insurance can also cover lost rental fees if the renter decides not to pay after the rental agreement expires. In the worst case scenario, if something breaks, you’ll pay less out of pocket based on your deductible – just like car insurance.

Who Should Consider Camera Insurance?

Camera insurance isn’t one-size-fits-all considering the breadth of equipment many creators have and the variety of policy options available. Although, its necessity hinges on your gear’s total value and the nature of your work. Insurance becomes particularly worthwhile when your equipment’s value surpasses $10,000. 

For instance, if you’re a hobbyist with a  Nikon Z8  used for everyday captures, the manufacturer’s warranty might suffice. But, if you own a premium cinema camera like the  Komodo X , insurance is non-negotiable. Likewise, if you have an array of accessories, consolidating them under a single policy can be beneficial.

Your work environment plays a role, too. Independent creators might lean towards liability with gear insurance, especially if their primary work involves run-and-gun shooting with potential hazards. Larger production companies or larger operations such as rental houses who own and rent their equipment will benefit from a broader range of policies. Conversely, if you’re storing gear in an office or studio, spreading out your coverage ensures protection on all fronts.

Camera Insurance – FAQs

While standard home insurance might not cover cameras, some renters’ insurance policies can offer partial coverage for damaged electronics depending on the total amount of coverage for your possessions. For instance, if a ceiling collapses in your apartment or home, or there’s theft, fire, or flood, your renters’ policy might cover the loss. However, having specific equipment or liability insurance ensures complete protection.

Some platforms such as Sharegrid have their own insurance policy you have to use — so if you rent from them often, you don’t need insurance. Although, if you rent from a local gear house all the time, you do need your own insurance.

Absolutely. Coverage can extend up to $1M or beyond. Tis is crucial for those frequently renting high-end cinema cameras, drones, and rigs. Consider the camera’s value, usage, and potential future risks at home, in the studio, or on location. If your camera setup exceeds $10k or includes even higher-end models like a  RED V-Raptor , insurance is advisable. 

Final Thoughts

Your camera gear is an extension of your creative spirit and a significant financial investment. Securing it with in-depth insurance coverage isn’t just a formality — it’s a necessity. While spending additional money might not seem feasible, think of it like this: It’s better to have it and not need it than to need it and not have it. 

Take some time, dive into research, understand your needs, and make the choice that keeps your tools and your passion protected and insured.

Christopher Piccione

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• Travel Advice
• General Information

Camera Equipment Travel Insurance

Last Updated: May 6, 2011 October 11, 2023

Question from jorphotography on Twitter

jorphotography: Any recommendations for #TravelInsurance to #Thailand that includes #camera gear? #photography #insurance

Squaremouth’s Response

Most travel insurance policies provide coverage for cameras and related equipment, however, most policies have a specific limit on how much will be reimbursed for those items.

CSA Travel Protection and HTH Worldwide are two travel insurance providers that do not have a specific item limit for cameras. Protection is available through the Baggage and Personal Items Loss benefit and provides the following amount of coverage:

CSA Custom Comprehensive – $1,000 per person CSA Custom Luxe Comprehensive – $1,500 per person HTH Worldwide Trip Protector – $1,000 per person HTH Worldwide Trip Protector Preferred – $1,500 per person

Travelers should also check with their credit card provider to see if any travel protection is available. Also, homeowners insurance and individual item insurance might a be a good choice.

6 Best Camera Insurance Companies for 2023

If you work as a photographer, or even if it’s just your favorite hobby, your equipment is a significant investment. Have you thought about what would happen if your equipment were stolen, lost, or destroyed? Whether you run a business or you have a habit of carrying your camera with you everywhere, insurance for your camera and other equipment is a must. 

If you’re wondering where to get insurance for your photography equipment or if other policies will cover your camera and equipment, this guide is for you. We’ve compared insurance companies that insure photography equipment and created a list of the six we considered the best. 

6 best camera and photography equipment insurance companies

What is camera insurance for photographers, what does camera insurance cover, other insurance coverage photographers may need, how much does camera insurance cost.

• Does homeowners or renters insurance cover cameras and other photography equipment?
• Simply Business : Overall best photography insurance company
• NEXT : Fastest online quote
• CoverWallet : Best online broker
• InsurePro : Best for flexible on-demand short-term coverage
• FullFrame : Best for those on a budget
• Hill & Usher : Best for all media professionals

Simply Business: Overall best photography insurance company

Simply Business is an online insurance broker that works with top-rated carriers to provide small business owners with the policies they need. The application process for Simply Business is easy, and you typically receive quick responses with quotes from multiple insurers. 

General liability and professional liability coverages are the top two necessary for any photography business. Simply Business combines both into a single package. For camera and photography equipment, Simply Business also offers commercial property coverage.

You can choose the general liability limits that best suit your business. For general liability, that’s between $100,000 and $2 million, and for professional liability, that’s up to $3 million. Keep in mind that a higher limit will also lead to a higher insurance policy premium. 

Simply Business specializes in liability insurance. That means you may not be able to purchase all of the coverages you need on a single policy. They do have starting premiums beginning at $25.95. 

Pros: 

• Get multiple quotes with one application
• No brokers fees
• Online quotes and purchasing when ready. 

Cons: 

• Policies don’t always include equipment
• Financial ratings are based on the carrier, not Simply Business. 
• No online account management

The following image represents an online quote from Simply Business for a photography business in Gadsden, Alabama. 

NEXT: Fastest online quotes

NEXT specializes in small business insurance. According to their website, they’ve been rated 4.7 out of 5 by over 100,000 people across various small business industries. If you must make a claim, the company attempts to make claims decisions within 48 hours, so you are back to business quickly. 

Obtaining a quote from NEXT was a simple online process that took less than ten minutes. Their application is simple and easy to understand. The online process tailors your quote to match the criteria you enter on the website. If you choose a policy from NEXT, you get access to unlimited insurance certificates 24 hours a day, seven days a week.  

• Easy online application
• Bundled policies can mean discounts
• Unlimited access to a digital certificate of insurance
• All digital process can be off-putting to older business owners
• Doesn’t offer some specialized insurance coverages

The following image is a quote from NEXT for a photography business in Athens, Alabama.

CoverWallet: Best online broker

CoverWallet is an online insurance broker specializing in small business insurance. The application process is relatively simple, although they do ask for more detailed information than some other companies. Typically, the entire process takes about ten minutes, from request to quote. However, it sometimes takes a little longer for the company to return quotes to you. 

The company collects your information and generates up to three quotes based on your submissions. If it’s taking a while for them to get the quotes, they give you the option of having the quote emailed to you. When the company provides you with a quote, you have the option to purchase that policy immediately. 

• Get quotes from several providers with one application
• Various coverage types are available
• Online dashboard for policy management
• Coverage provided by the third party
• Sometimes required to call to obtain a quote

The following is a quote we obtained for a photography business in Decatur, Alabama. As you can see, based on the information we provided, CoverWallet returned two quotes. 

InsurePro: Best for flexible on-demand short-term coverage

InsurePro compares quotes from over 20 companies to help you find the right insurance for your business. You complete one online application, and they do the legwork for you. The company offers several coverage options for business owners, but if you need a specialized policy, you may want to look elsewhere. 

InsurePro coverages include general liability, worker’s compensation, commercial property, and commercial auto. If you’re looking for quotes for good basic business insurance, this company may be able to help you. The company works with various providers to find the coverage you need. Travelers, Liberty Mutual, and Nationwide are some of the well-known companies they work with. 

One of their unique differentiators is their on-demand short-term coverage. For photographers who may need coverage for only one day, a few days, or just an event, InsurePro is the best option. They offer pay-per-day coverage, which can help them save a lot of money.

• Complete one application online
• Works with multiple companies to find the best quotes
• Only offers basic coverages
• The third-party handles underwriting and other services

Full Frame: Best for those on a budget

Full Frame has scalable coverage that is designed for the unique needs of photographers and videographers in the US. Coverage is available in 44 states, and the easy, hassle-free quotes process is handled completely online. 

Full Frame offers coverage for equipment that helps to repair or replace damaged or stolen items. They also offer errors and omissions, general liability, professional liability, and coverages for damage to rented premises. 

There are three policy plans to choose from based on the needs of your business. The Annual Plus policy includes general liability coverage as well as multiple camera insurance options and additional coverages. The policy also includes unlimited additional insureds. 

The Annual policy is slightly less expensive than the Annual Plus and includes everything except the camera insurance options. The Event policy is the least expensive of the three policies and is designed to protect you at an event. The coverage is good for up to three days. It includes $2 million in general liability coverage and unlimited additional insureds. 

• Offers event coverage
• Specializes in photographer and videographer coverages
• Can choose from three policies based on business needs
• Only available in 44 states
• Not all coverages include equipment coverage  

Hill & Usher: Best for all media professionals

Hill & Usher is based in the US. They have a policy designed specifically for professional photographers which bundles property and liability coverage in one premium. Choosing their Package Choice policy gives your business comprehensive coverage. 

Your equipment is protected even on location or while in transit in the US and Canada. You also have the option to extend your policy to include international coverage if you need to travel somewhere other than the US or Canada. Depending on the Hill & Usher policy you choose, your deductible will range from $250 to $1000. The company also allows you to cover rented or leased equipment.

A policy also covers any equipment within your studio with Hill & Usher. For photographers, this means computers, printers, darkroom equipment, supplies, furnishings, and any improvements you’ve made to a rented studio would be covered. 

• Covered in the US and Canada
• Offers international coverages
• Can cover rented or leased equipment
• Must be US-based 
• Website needs updating

Camera and photography equipment are the most valuable assets of any photographer. They are considered the business property of any photography business.

Business property insurance covers your photography studio if it’s damaged by fire, extreme weather, or vandalism. More important to many photographers is that it covers equipment stored in their place of business if damaged, destroyed, or stolen. Equipment can include: 

• Memory cards
• Computers and external hard drives
• Stands and backdrops

Professional photographers also need their cameras and other equipment covered during transit or at events as well. Business property coverage customized for photographers should offer the coverage.

Camera insurance protects your camera and other equipment for your photography business if they are damaged by fire, extreme weather, or vandalism, or stolen in the following locations:

• at your studio
• in transit to your workplace, likely the event locations
• at event locations where you are working

The insurance policy may pay to have the cameras and other equipment repaired or replaced with new ones. You can also choose for the insurance company to pay you the value of the cameras as well.

In addition to protecting their cameras and other photography equipment, photographers may need other insurance coverage to protect their business. Below are some of the popular policies for photographers:

• General liability insurance protects photographers if their operations cause bodily injuries or property damage to their clients or other people at the events. For example, it will pay medical expenses if a wedding guest trips over a lighting cable and breaks a leg or if you accidentally break an expensive vase in a client’s home while taking a photo of their dog.
• Interruption for computer operations insurance  pays if you can’t use your computers to process or store images.
• Professional liability insurance  pays legal and settlement costs and damages if you’re ever sued over the professional photography services you provide. For instance, if you fail to show up at a wedding you were booked to photograph.
• Workers’ compensation insurance  pays benefits if you or someone who works for you becomes injured or ill for work-related reasons. For instance, if a photographer slips on a rock while on a professional photo shoot and breaks an arm, workers’ comp will pay medical bills related to the incident, lost wages, job retraining, and more as needed. Your state will likely require you to get this coverage if you have employees.
• Commercial auto insurance  covers injuries and vehicle and property damage if you or an employee is involved in an accident while driving for work. Personal vehicle insurance doesn’t pay for incidents when driving for work purposes.
• Business income off-premises coverage  goes into effect if your equipment is damaged while you’re away from your primary business location. If you can’t complete a job because your equipment isn’t working, this coverage can help cover your lost income.
• Unmanned   aircraft coverage  helps protect a drone if you use one for work purposes.

Learn more at the best insurance companies for photographers and photography businesses .

The average cost of camera insurance is just about $12 per month, or $144 per year. This is for a comprehensive policy covering your camera and other equipment everywhere and with a coverage limit of up to $1M.

This is the cost for your camera insurance only. Photographers and photography businesses may need other coverages, which will cost more. Learn more at how much photographer insurance costs

Camera insurance is quite affordable. Make sure you shop around with a few companies to find the best deal for you and your business.

Does homeowners or renter’s insurance cover your cameras and other equipment of your photography business?

The short answer is no. Homeowners and renter’s insurance cover your personal belonging if they are damaged or stolen in your home. However, as soon as the insurance companies learn that your camera and other equipment is for your business, they will refuse to pay the claims. Homeowners and renters insurance does not cover your business belongings.

Your commercial property or business property insurance covers your business properties only when they are stored in your business location such as offices or warehouses. When your camera and other equipment are damaged or stolen in your car, or in transit, or at events where you are working, commercial property insurance policy doesn’t cover them.

Wedding photographer insurance

Many photographers specialize in weddings and they may want to get an insurance policy customized for weddings. Some wedding photographers work full time, many work part-time and only need coverage for the days when they work.

Learn more at the best wedding photographer insurance companies

Final thoughts

Whether you are a professional photographer or it’s your favorite hobby, the equipment can cost a pretty penny. If it’s your hobby, your homeowner’s insurance might cover any losses you may endure. However, if you use your cameras for business, you must purchase business insurance.

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

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Camera Insurance: Cost, Quotes, and Guide

Home › Home Insurance › Camera Insurance: Cost, Quotes, and Guide

We all have smartphones with built-in cameras to take photos with. However, they mostly can’t beat the photo quality of professional cameras. And those of you who own a camera, will be very wise to get camera insurance as part of a property insurance policy, be it separate or with other property they own.

This guide will discuss camera insurance coverage for videographers , photographers , and filmmakers and why it is essential. We’ll also take it further and discuss everything you need to know about cameras such as where to buy, how much does a nice camera cost, and a lot more. 

What is Camera Insurance?

A camera insurance policy, to put it simply, functions to recover monetary losses if something ever happens to your camera. Insurance for camera differs from carrier to carrier and is part of property and home insurance for equipment, be it as a standalone coverage or along with other property.  It’s important to get your camera insured, though not an obligation. But doing so will help a lot,  whether you bought your camera through a camera pay monthly plan or in one installment. Similarly, you will also be able to pay for your camera insurance monthly or annually.

Camera and Phone Insurance

Camera and phone insurance is a policy that’s usually part of specialized multi-gadget insurance programs. This one doesn’t only cover the camera but also the mobile phone. The main advantage of camera and phone insurance is that you don’t have to buy two insurance policies for insuring a phone and a camera. By having this policy, you get phone and camera floater coverages that can take care of:

Accidental damage ( e.g. you dropped your camera or phone on hard concrete)

Malicious damage (e.g. someone took your phone or camera during an argument and destroyed it)

Breakdown (e.g. your old camera or phone’s battery leaked and caused damage)

Cracked screens

Drone and Camera Insurance

Carriers also offer drone and camera insurance. You might have guessed what’s covered as it’s already evident with the term.> “What does this insurance do for my camera or drone?” – good question.

The aforementioned policy will account for any damage to the camera or drone. But note that there’s additional liability coverage, which accounts for the damage you’ll cause while operating a drone. Specific liability coverages, carriers include in their camera and drone insurance are third-party injury liability, premises, and fire legal liability. Note that drone camera insurance is required for those who make money by operating drones.

If you’re thinking of insuring your drone, we suggest you try drone insurance from Geico. Geico drone insurance coverage is bundled in Geico’s homeowner’s and renter’s insurance policy. It’s very cheap and provides comprehensive protection from all risks associated with operating a drone. 

Camcorder Insurance

Mobile devices have built-in video recorders for filming. However, they can’t beat the recording quality of commercial and personal camcorders. 

Camcorders are a must for content creators who make money through Tiktok, Youtube, Discord, and Twitch. If you’re one of them and using a camcorder for work, why not consider getting camcorder insurance?

Insurance for camcorders will take care of repairs in case the camcorder got damaged because of your fault or someone’s fault. Camcorder repair can be expensive. The average repair cost for old models starts at $100 – $180. On the other hand, newer models require $200 – $300 to get fixed. 

But note that insurance for camcorders won’t only take care of repair costs. It also provides coverage if:

You lost your camcorder because of theft or your fault

The camcorder broke on its own because of usage of factory defect

The camcorder got wet because of rain or flood

Unauthorized usage of your camcorder

Someone broke your camera by accident 

By the way, there’s another way to insure your camcorder and that is through video camera insurance or film camera insurance. Video camera insurance offers coverage against theft and accidental damage and even has worldwide insurance coverage that lasts for 30 days. However, if you wish for it, the carrier can extend the effectiveness of worldwide camera insurance coverage to 1 year. 

Camcorder cost for personal use is  $200 – $450 on average. Just so we’re clear, this is the common consumer camcorder most people own. On the other hand, the best personal camcorder – one with HD features and can be used for business purposes – is expensive. It costs $1,000 – $1,800 on average. 

DSLR Camera Insurance

A DSLR is the handy dandy camera for those who like to travel and take photos. And so, carriers offer specialized photo camera insurance that specifically covers the risks of owning DSLR cameras. 

DSLRs are very popular right now. Teens and adults want to have one. Since it’s popular, it’s very susceptible to theft. Here are some interesting DSLR theft statistics that will convince you to get insurance as DSLR protection :

27% of DSLR theft happened while the camera was left in the car

24% of DSLR theft happened because of burglary

Robbery and public transport theft accounted for 9% of recorded DSLR theft

Getting DSLR insurance is important as it will account for the theft of your DSLR, whether it happened in a restaurant, in the car, at home, or any other place. The policy is quite comprehensive as it gives $40,000 – $60,000 when your DSLR becomes stolen. We recommend you get this camera insurance cover if you enrolled in a DSLR monthly payment plan. 

Understand that your DSLR insurance will only take care of the DSLR unit and will exclude its attachments. If you want to get insurance for your DSLR camera gear or DSLR camera equipment – external flash, lens hood, camera cleaning kit, and so on –  then you’ll have to get a separate camera equipment insurance or camera gear insurance (scroll down if you want to know more about this). 

Do Travel Insurance Companies Insure a DSLR?

You can insure your DSLR using travel insurance with camera cover. However, note that DSLR travel insurance will not account for many risks. In most cases, the policy will take care of theft or unintentional damage but will exclude liquid damage and intentional damage. Aside from coverage for DSLRs, travel insurance companies also offer SLR camera insurance coverage. 

Do I Have to Take Out My DSLR Camera at Airport Security?

The general rule is this;  you don’t have to take your camera out if it’s no bigger than a regular mobile phone. However, DSLR cameras and other similarly sized cameras have to be taken out as they obstruct the screening process. 

Note that, in some airports, the officers will also require you to take a picture of the floor using the camera to prove that it’s working and not hollow inside.

Speaking of camera inspection, companies offering travel insurance for camera and laptop also provide coverage if the airport security officers unintentionally damaged the DSLR camera while checking it. Proceed reading to the next subsection if you’re asking,” How do you know if a camera is on ?”

How to Know if a Camera is On?

Since we mentioned that airport security will require you to turn on a camera, you might be wondering , “How do I know if my camera is on?”. A digital camera is on if the LCD lights up the moment you press the power button. Its green or red LED power indicator will also do the same. For an analog camera, there should be a LED indicator on its body that will flicker the moment you press the power button. 

Is My Camera a DSLR?

Look through the viewfinder and press the shutter release button. If the viewfinder goes black for a split second, then your camera is a DSLR. If it does not, then your camera is not a DSLR. 

Where Can I Sell My DSLR Camera?

These are the best places where you can sell your DSLR camera:

BuyBackWorld

Camera Insurance for Non Professionals 

“How do I insure my gear as a non-professional photographer? – c arriers offer personal camera insurance policies to help you insure your camera gear even if you’re not a pro. 

Personal camera insurance offers camera breakdown coverage, liquid damage coverage, and theft coverage. However, note that not all cameras can get insured using this policy. Cameras the policy excludes are commercial filmmaking cameras, studio-type DSLRs, and other similar devices. In contrast, an ins camera or instant camera can easily get insured through personal camera insurance. 

Another way to get personal photography camera insurance is to insure your camera in your homeowner’s policy. This depends on the carrier actually. If your carrier allows it, you can get coverage for your camera by treating it as an important household object. 

There’s one last method we want to share with you, and that’s to qualify for camera enthusiasts insurance. This is a policy that’s common in photography organizations having camera club insurance programs. Camera enthusiasts insurance will take care of intentional or accidental damage to your cameras and theft.

Professional Camera Insurance

Pro camera insurance offers the most comprehensive protection for photographers who use high-end cameras. With this insurance policy, a professional photographer can get his camera and equipment insured for local and international use. It’s even possible to receive hefty reimbursements from the carrier if ever repairing a camera becomes very costly. Last but not least, some carriers also offer professional liability insurance in their professional camera insurance so that the policyholder can get covered aside from his device. 

Camera Rental Insurance

You don’t need to get your own camera to start taking pictures for insurance purposes or to start taking pictures as a hobby. Just  rent a camera if you can’t buy it right now. Renting works because it’s not only cost-effective but also because doing so makes it easier to get one’s hands on the latest units. 

Sometimes, businesses renting out camera equipment require you to get camera rental insurance. What this policy does is give you the minimum amount of money needed to replace a broken or stolen rented camera.  In practice, people  who commonly purchase this camera coverage are those involved in filmmaking and commercial photography. Note that rental insurance for cameras is commonly offered as temporary insurance for rental equipment.

Do You Need Insurance to Rent a Camera for Vacation?

Yes, rental businesses will also require you to get insurance on camera having theft coverage if you’re taking their cameras out of town.  When renting cameras, theft and other causes of the camera being lost while traveling is common. And so, rental businesses require you to get insurance so that you can successfully reimburse them if you lost a rented unit. Without insurance, you might have to pay $5,000 – $10,000 to replace a lost rented camera.  You can find the best coverage from companies that offer camera travel insurance. 

How Much Does It Cost to Rent a Red Camera?

Renting a red camera for a full week costs $1,237 – $2,513 depending on its make and model.  Camera rental businesses also charge a $240 – $530 additional daily rate if you continue to use their camera when the 1-week rental duration expires. 

Camera Travel Insurance

Insurance for camera for travel has policies that provide coverage if something happens to your camera as a tourist.  You can add this policy as an additional option to your travel insurance. Risks that camera travel insurance accounts for are liquid damage, robbery, accidental damage, and intentional damage to the camera. On an additional note, this policy can also serve as camera insurance for holiday vacations or staycations. 

Underwater Camera Insurance

Are you a scuba diver or a marine biologist? If so, don’t make the mistake of thinking that scuba diving insurance will have camera accidental damage insurance coverage. Remember that the terms of scuba diving insurance take care of injuries. Therefore, the policy excludes anything that might happen to the underwater camera. >

Aside from offering digital camera insurance, carriers also offer insurance for underwater cameras. This policy doesn’t only account for the damage to the camera but to its attachments. Getting this is very important as the attachments of a diving camera, such as its housing and strobes, can be three times more costly than the actual unit itself.  

Where to Get Underwater Camera Insurance?

It’s best to get underwater camera insurance from Divers Alert Network (DAN). DAN camera insurance works wonderfully for insuring underwater cameras, underwater camera gears, diving equipment, and diving computers. DAN’s camera and equipment insurance coverage apply wherever you are. 

One important thing to remember is that DAN will only provide the money you need to repair an underwater camera or diving equipment and will not directly replace them through insurance. 

Will a DP2 Policy Coverage Work as Camera Insurance?

DP2 policy coverage is a landlord property insurance policy that pays for the replacement or repair of a building’s damaged primary structures. DP2 doesn’t cover personal belongings inside a building. And so, if you’re a landlord and want to get camera insurance, know that you can’t get covered through a DP2 policy. 

What is Theft Coverage in Camera Insurance?

Camera and laptop insurance always cover instances of theft. To be clear, camera theft insurance coverage kicks in when your camera got lost because of a burglary, robbery, or fraud.  

Note that it depends on the carrier whether or not the theft coverage applies when you’re in another country. 

One thing you can do to ensure your carrier covers your camera against theft while you’re traveling abroad is to ask whether or not the policy comes with an international camera insurance coverage or worldwide insurance coverage. 

“So how does stolen camera insurance coverage work when I insure my camera?” In practice, this policy provides money equal to the current market value of stolen cameras. 

For example, if you bought a camera for $500 in 2019, and it got stolen in 2022, then the carrier will have to give you money based on its depreciation value. As a result, the money you’ll receive might be lower than the camera’s original value. But note that there are also insurance carriers that will reimburse the original value of the camera.  

Some Words About Stolen Cameras and Insurance

Cameras are commodity items in the United States. However, not all Americans can afford the latest units. As a result, some decide to buy stolen cameras from illegal sellers. This perhaps is the reason why camera theft is rampant in some parts of the US.  If you look online, you’ll see reports of people robbed at gunpoint for their camera gear , being followed in a robbery attempt to get their camera, and so on. 

Remember that your theft insurance for camera excludes any damage you sustain because of a robbery attempt. If this happens in the future, what we recommend you do if you have theft insurance coverage  is to not resist and give your camera to the other person because you can always file a claim. 

Also, get camera insurance for theft (camera insurance theft) if you’re owning expensive cameras. Never think that, “ My cameras will be safe ”, because they can always get stolen from you while you’re in a cafe, at home, at the workplace, or casually chilling out in your vehicle. 

What is a Serial Number On My Camera?

Just like vehicle engines, cameras have a serial number too. New camera models have serial numbers that are twelve digits long while older ones have shorter serial numbers. ” Where can I find the serial number of my camera” –  glad you asked that.  Here’s a table as your guide. 

What is Camera Breakdown Insurance?

All photo camera insurance programs from different carriers include camera breakdown coverage or accidental damage insurance camera cover. This policy will kick in if you dropped the camera in water, spilled water on it, dropped it on the floor, slept on it,  or sat on it. 

The terms of camera breakdown insurance differ from carrier to carrier. And so, we recommend you compare camera insurance quotes. 

So is accidental coverage for the camera worth it?  Yes, it’s worth it because a camera can easily get broken. In case you want to get more answers, we suggest you create a camera accident insurance worth it reddit thread.

Camera Insurance Cost 

There are many factors that affect the cost of a camera. The same also applies if you’re planning to insure it.  A carrier insures your camera and determines the cost of doing so according to:

Camera list price

Whether it’s brand new or secondhand

Its purpose (whether for business or for personal use only)

What we can do to give you an idea of how much it will cost to insure a camera is to give you the cost of insurance of the most popular camera models right now. 

Here’s another table showing the pricing of the best camera insurance companies:

How Much Does Camera Rental Insurance Cost?

The cost of insurance for those renting DSLR or any other type of camera is $24 a month or $288 a year.

How Much Will Camera Travel Insurance Cost?

The cost to insure a camera for travel is very cheap. Some only pay $7 for an $11,000 coverage. On the other hand, if you want to get camera coverage in your traveler’s insurance, then expect carriers to add $15 – $22 to your rates. 

Best Camera Insurance Companies

All carriers claim to offer the best camera insurance. That’s why we’re here to give you thorough feedback on the companies that online reviews recommend for the best camera insurance in the USA.

By the way, if you’re tired of reading, know that you can use our online quotes generator. Using it is very easy. 

All you have to do is find and click the “Get Quotes” button and fill-up the form. Shortly after, our online quote generator will give you all camera shop insurance and camera insurance quote from accredited carriers in the US, so that you can get cheap camera insurance and save money. 

Also, just in case you proceed to buy insurance from the companies we recommend here (like Lemonade for example),  don’t forget to leave some camera insurance reviews here. Doing so might be a small thing but it will greatly help others make the best decision when buying camera insurance in USA.

Lemonade Camera Insurance

Why get insured by lemonade.

Easy insurance for your camera

$0 deductible on camera insurance

Former best camera insurance in 2020 according to third-party reviews

Best camera insurance for professional photographers and non-professional photographers

Why Take Lemonade with a Grain of Salt?

There’s no Lemonade equipment insurance that can cover photographic gear

There’s no Lemonade photography insurance that offers liability policies for professional photographers

Lemonade allows policyholders of its homeowner’s insurance and renter’s insurance to get their cameras covered. However, coverage only applies to named perils in Lemonade’s homeowner’s and renter’s policies such as:

Fire or lightning

Windstorm or hail

Falling objects

Weight of ice, snow, or sleet

Accidental discharge or overflow of water or steam

Sudden and accidental tearing, cracking, burning, or bulging

Sudden and accidental damage due to short-circuiting

Volcanic Eruption

Lemonade’s basic homeowners or renters insurance doesn’t allow you to insure a camera against accidental damage. However, this doesn’t mean that the company can get you covered. If you get scheduled personal property coverage, then you can insure your camera against damage accidents cause.

“ I have Lemonade’s renter insurance and am using them for the condo insurance when I close this month. I have my Leica gear added under my policy worth about $15,000. I luckily haven’t had to replace any camera gear but I did have to file a claim when my car was broken into and about $3,000 worth of off-roading and camping gear was stolen. I never thought I’d ever say this but… it was a breeze filing a claim and they deposited the funds into my bank account within a month. They were easily available by email or phone to answer my questions too. 10/10 highly recommended! Hence why I’m sticking with them for my new condo ” – source . 

Best for: Professional and non-professional camera insurance

Average cost:   $25

Our rating: 10/10

Lemonade and Lenses: Can You Get Your Camera Lens Covered Using Lemonade’s Homeowner’s and Renter’s Insurance?

Lemonade won’t provide coverage to your camera lens if you only get a basic homeowner’s or renter’s policy. The company will only cover your lens if you get scheduled property coverage or extra coverage. 

Hill and Usher Camera Insurance

Why get insured by hill and usher.

Offers instance coverage for camera breakdown and theft

Accounts for the replacement cost of the camera

International camera insurance coverage in its  DSLR and SLR Insurance

Why Take Hill and Usher with a Grain of Salt?

$1,000 deductible is too much for some customers 

Hill and Usher insure cameras using its Package Choice. Package Choice is an insurance program insuring photographers and videographers since 1988.  The policy offers instant coverage for theft and breakdown, pays for the replacement cost of the camera, has international camera insurance coverage, and a deductible not exceeding $1,000. In addition, Package Choice comes with camera hire insurance coverage. 

“I decided to buy camera insurance from  Hill & Usher as a full-time wedding photographer for myself and my separate studio. All of the well-established pros who I know locally in the same field do as well. They are the gold standard in wedding photography (and very well respected in events and commercials as well). As a pro, their service is outstanding and I use their online portal to submit COI requests frequently (functionality is acceptable but could be improved, but the design is dated). However, the website is lacking. Good on them to spruce it up.” – source . 

Best for: Camera insurance with instant coverage for theft

Average cost: $41.66

Our rating: 9/10

Ripe Camera Insurance

Why get insured by ripe.

Has business insurance policies as additional options on its camera insurance

Offers camera floater insurance with a $27,000 and $80,000 policy limit

Why Take Ripe with a Grain of Salt?

Some customers say that Ripe charged them additional rates

Ripe’s camera and lens insurance offers theft coverage, accidental damage coverage, and in-vehicle coverage. The company’s theft coverage and accidental damage coverage has an $81,534 policy limit and will replace your camera if it’s under three years or will reimburse you for the full value of the camera if it’s more than three years old. 

On the other hand, Ripe’s in-vehicle coverage will cover up to $27,000 if your camera got accidentally damaged or stolen while in a car. On an additional note,  Ripe allows you to get temporary camera insurance. 

“I need camera insurance as a professional photographer, is Ripe good for me?” – wonderful question. Ripe might be good as it doesn’t only offer policies that insure your camera but you as well. 

Ripe camera and lens insurance have public liability insurance coverage, camera rental insurance coverage, employer’s liability insurance coverage, and professional indemnity insurance coverage, which are commonly included in standard photographer’s business insurance. 

“The process of getting a quote [ from Ripe ] was super easy and I like how they made the total visible straight away. No waiting for emails with the total to come through. The price is also very competitive and covers everything I need as a semi-professional photographer” – source . 

Best for: Camera insurance with business insurance policies

Average cost: $23

State Farm Camera Insurance

Why get covered by state farm.

No deductible 

Insures a camera for 1.5% of its annual replacement value

Camera insurance applies even if you’re traveling

Why Take State Farm with a Grain of Salt?

The insurance application process is a bit troublesome as State Farm agents will do a physical inspection of the camera

State Farm allows you to cover your camera with its homeowner’s insurance. But perhaps, the best coverage is through the company’s personal articles policy.

The personal articles policy of State Farm will cover your camera for 1.5% of its annual replacement value. With State Farm, you can insure for less because the company doesn’t impose any deductible. Furthermore, camera insurance from State Farm covers theft, accidental loss, and intentional or accidental damage. 

On another note, aside from insuring cameras, you can also use State Farm personal articles policy for drone, computers, and other personal electrical devices. 

“I have all my gear insured through State Farm – a “personal articles policy.” No deductible, and it’s pretty cheap. It came in handy when my 100-400mm hit the concrete” – source . 

Best for: Camera insurance with zero deductible

Average cost: $31

Geico Camera Insurance

Why get insured by geico.

Covers cameras through its homeowner’s insurance and renter’s insurance

Offers the cheapest drone insurance

Why Take Geico with a Grain of Salt?

Camera insurance from Geico doesn’t account for all incidents of loss, theft, or damage

Photography insurance from Geico only has professional liability coverage

You can get camera insurance from Geico through its renter’s and homeowner’s policies that come with personal articles policy.  With Geico personal articles policy, you can get your camera covered against winds, hail, fire, and water. However,  the personal articles policy from Geico has a drawback too. And that is, it can’t provide coverage if the camera got damaged while traveling.  

This car insurance company can get you covered too if you’re a photographer. While there’s no such thing as a stand-alone Geico photography insurance, Geico has stand-alone professional liability insurance for photographers. 

If your car has a dash camera, then Geico can also get it covered if you decide to get a comprehensive car insurance policy. On another note, in case you want to get car insurance aside from Geico camera insurance, understand that there’s no Geico dashcam discount even if the company does offer discounts for the installation of safety driving devices. 

Best for: Drone and camera insurance

Average cost: $21

Allstate Camera Insurance

Why get insured by allstate.

Allows you to insure your camera using a renter’s insurance policy having personal property coverage

Has two types of personal property coverage

Why Take Allstate with a Grain of Salt?

Not the best camera insurance for photographers who are professionals

Allstate has a renter’s insurance policy having personal property coverage that can account for the damage or loss of your camera. The company offers two types of personal property coverage: replacement cost coverage and actual value coverage. Replacement cost coverage will give you money (a set amount) to buy a new camera in case you lost or damaged your own. On the other hand, actual value coverage will give you money equal to the current list price of your lost or damaged camera.

In case you want to get more comprehensive camera insurance, Allstate also allows you to have more coverage by getting a scheduled personal property policy. For more info about this, take a look at cheapest renters insurance reddit threads that talk about Allstate. 

Best for: Insuring a camera using renter’s policy

Average cost: $33

Our rating: 8/10

USAA Camera Insurance

Why get insured by usaa.

Very cheap insurance coverage for cameras

Applies even if you’re traveling abroad

Why Take USAA with a Grain of Salt?

Doesn’t offer short term camera insurance

Only available for photographers or camera enthusiasts who are current or former military members

USAA covers cameras through its valuable personal property insurance (VPP insurance). The policy accounts for loss or accidental damage and also gives worldwide coverage, which USAA renter’s insurance and homeowner’s insurance don’t cater to. 

Best for: Cheap stand-alone camera insurance

Average cost: $20

Best Buy Camera Insurance

Why get insured by best buy.

Insures the camera and improves its warranty

Camera insurance from best buy is transferable

Why Take Best Buy with a Grain of Salt?

Best Buy’s camera insurance might be underwritten by a third-party company

Some customers say that best buy is not the best for Sony camera insurance

Best Buy offers insurance coverage for DSLR mirrorless cameras, digital camcorders, and point-and-shoot cameras through its GeekSquad Protection program.  The policy works in tandem with your camera’s warranty and offers further coverage the moment the warranty expires. Best Buy also allows you to transfer the insurance coverage to the new owner in case you sell your camera.

Best for: Transferable camera insurance

Average cost: $15.42

Aviva Camera Insurance

Why get insured by aviva.

Offers up to $10,000 coverage when insuring a camera for personal use

Camera insurance can be added as an optional policy in any personal insurance products of Aviva

Why Take Aviva with a Grain of Salt?

Doesn’t insure the cameras of professional photographers

“Can I insure my camera with Aviva?” – The answer to this question is yes even though the company specializes in business insurance.  Aviva camera policy has personal belongings coverage. One thing to note though is that the insurance policy only works for cameras for personal use. Furthermore, you’ll have to name your camera in the insurance policy’s terms if it’s worth $2,000 or more. 

Best for: Personal camera insurance

Average cost: $26

Professional Photographers of America Insurance (PPA Insurance)

Why get insured by ppa.

Offers low deductibles 

Specializes in insuring expensive cameras

Buying insurance from PPA includes membership

Has single trip camera insurance for photographers

Why Take PPA with a Grain of Salt?

PPA equipment insurance is expensive

Some customers report that PPA doesn’t offer the best insurance for photographers and their cameras

The Professional Photographers of America (PPA) doesn’t only review American camera company but offers insurance too. The organization covers cameras through its photography equipment insurance which offers up to $15,000 equipment coverage with a $50 flat deductible for camera repair and a $350 deductible for camera replacement. 

PPA camera insurance, together with its partner, Lockton Affinity, allows customers to get another policy called PhotoCare Plus, which some say is the best photography insurance right now. PhotoCare Plus covers owned and rented cameras. Furthermore, it offers $100,000 in coverage with a $250 deductible. 

Best for: Insuring expensive cameras with low deductibles

Average cost: $20.83

NPPA Camera Insurance – National Press Photographers Insurance

Why get insured by nppa.

Implements a flat deductible

Affordable professional camera equipment insurance policies

Very generous member discounts

Many recommend this company for Canon camera insurance

Why Take NPPA with a Grain of Salt?

Expensive insurance option for non-NPPA members

NPPA specializes in providing pro photographers insurance. And so, its policies work well with photojournalists and other similar professionals. NPPA covers cameras through its photography equipment insurance with a $100,000 maximum policy limit and a $250 flat deductible. The policy provides coverage whether the camera is damaged or lost at home, at a faraway location, or at the studio. Finally, NPPA offers discounts when insuring cameras of its members. 

Best for: Membership-based camera insurance

Average cost: $25

PPIB Camera Insurance – Professional Photographers Insurance Brokers

Why get insured by ppib.

Provides automatic coverage

Offers a minimum of $10,000 insurance coverage for your camera

Allows you to cancel your policy and receive a refund

Insures your rented camera

Why Take PPIB with a Grain of Salt?

It’s unclear how PPIB processes claims

You can cover your camera with PPIB’s photographic equipment policy. PPIB’s photographic equipment policy protects your camera from accidental loss or damage, theft while in a vehicle or building, and damage or theft while in transit. PPIB determines the cost of  insuring your camera through these factors:

The types and value of goods to be insured

 Sum insured

Your insurance and claim/incident history and experience;

PPIB’s obligation to pay relevant government taxes and charges. For example, GST payable in relation to your policy.

Best for: Camera insurance that’s easy to cancel

Average cost: $36

Progressive Camera Insurance

Why get insured by progressive.

Low deductibles on camera insurance

Offers coverage for high-end cameras and low-end cameras

Why Take Progressive with a Grain of Salt?

Doesn’t insure analog cameras or offer holiday camera insurance

Progressive’s electronic device insurance offers coverage for digital cameras. The policy covers simple point-and-shoot cameras to high-end DSLR cameras and SLR cameras.  With its policy, Progressive literally says, “I can insure you and your camera from things like ”

Accidental drops

Water damage

The minimum deductible of Progressive’s camera insurance is $50. This is the main reason why the company wants you to get this separate insurance policy even if you can cover your camera in Progressive’s renter’s and homeowner’s insurance.  

Progressive renter’s and homeowner’s insurance has hefty deductibles. As a result, you’ll receive a very small payout if you insure your camera using these policies. 

Best for: Insurance for high-end cameras and low-end cameras with low deductible

Average cost: $42

Athos Camera Insurance

Why get insured by athos.

Includes coverage for incidents that are usually excluded in most camera insurance policies

Former best camera insurance in 2019 according to third party reviews

Why Take Athos with a Grain of Salt?

Short-term insurance is too expensive

Athos offers both long-term and short-term camera insurance for hobbyists and professional photographers. The company covers cameras through its photographer’s camera and lens insurance that accounts for:

Accidental Damages

Lightning and/or Explosions

Earthquakes

Hail and Flood

Nationally Declared Acts of Terrorism

Smoke and/or Water Damage

Falling Objects

Worldwide Coverage

Transit and Shipping

Replacement Cost Coverage

Best for: Camera insurance that applies to a wide range of different situations

Average cost:   $12.5

Hiscox Camera Insurance

Why get insured by hiscox.

Unlimited claims to camera insurance

No need to list an expensive camera on the insurance policy

Offers coverage for the retrieval of videos and photos from a damaged camera

Why Take Hiscox with a Grain of Salt?

Some report that Hiscox can be stubborn when it comes to policy cancellation

Hiscox has a camera kit insurance policy that can either cover a camera only or cover a camera and its attachments. The policy can automatically cover a camera that’s under $15,000. > Furthermore,  you can enjoy an unlimited amount of payout from Hiscox’s camera insurance policy unless you tell the company not to do so. Additional features of Hiscox’s camera insurance are worldwide coverage, digital media coverage, and accidental damage coverage.

Best for: Camera insurance with an unlimited number of claims

Average cost: $35

AAA Camera Insurance

Why get insured by aaa.

Offers numerous discounts to save costs on camera insurance coverage

Why Take AAA with a Grain of Salt?

Not available in all parts of the United States

AAA covers cameras through its travel insurance and homeowners insurance. However, the company only insures customers from Alaska, Arizona, Northern California, Nevada, Montana, Utah, and Wyoming. 

Best for: Camera insurance with discounts

Average cost: $38

Thistle Camera Insurance

Why get insured by thistle.

Offers camera insurance that suits the needs of all kinds of users

Includes public liability coverage with a generous policy limit

Transparent claims process

Why Take Thistle with a Grain of Salt?

Some customers report that Thistle’s customer service department is very unresponsive

Thistle’s PhotoGuard coverage will insure your camera. The policy includes in-vehicle coverage and camera damage insurance coverage. The company claims that its camera insurance suits the needs of professionals, semi-professionals, non-professionals, students, and videographers. Aside from policies that cover the camera, Thistle’s Photoguard also offers public liability insurance and inland marine camera insurance with a $5 million policy limit. 

Best for: Camera insurance with public liability coverage

Average cost: $27

Our rating: 7/10

Alfa Camera Insurance

Why get insured by alfa insurance.

Doesn’t put a huge increase in premiums even if customers cover their cameras using homeowner’s insurance

Why Take Alfa Insurance with a Grain of Salt?

Many say that Alfa Insurance isn’t what immediately comes to mind when thinking of camera insurance

Alfa insurance allows you to cover your camera if you purchase homeowner’s insurance without any significant increase in rates. With this company, your camera can get replaced or repaired easily from all kinds of damage. 

For a quick trivia, did you know that Alfa insurance might be the only insurance company to invest in weather systems? The Alfa insurance camera network is made of 96 cameras and extends from Alabama, Mississippi, then to some parts of Georgia. 

Best for: Camera insurance bundled in homeowner’s insurance

Average cost: $40

Leica Camera Insurance (Leica Wetzlar Store Only)

Why get insured by leica.

Leica Insurance premiums are determined according to the list price of your camera

Why Take Leica with a Grain of Salt?

Not available in the United States

Leica’s store in Wetzlar allows customers to insure their cameras. By doing so, those who get their Leica cameras in Wetzlar won’t need to find insurance companies. Leica’s camera insurance offers protection from:

Burglary, robbery, vandalism, malevolence     

Theft from car     

Damage caused by impact or liquid not covered by the warranty against material or manufacturing defects     

Operator error, ineptitude or willful intent, unpredictable events

Best for: Leica cameras

Average cost: $24

Protect Your Bubble Camera Insurance

Why get insured by protect your bubble.

Covers cameras through its gadget insurance and renter’s insurance

Many customers find it easy to get insured with Protect Your Bubble

Why Take Protect Your Bubble with a Grain of Salt?

Very limited amount payable when insuring a camera using renter’s insurance

Gadget insurance’s theft coverage can only be claimed twice

Protect Your Bubble covers cameras through its gadget insurance and renter’s insurance policies. If you decide to insure your camera using Protect Your Bubble’s gadget insurance, you can:

Have worldwide insurance coverage

Insure up to 3 cameras for only $20

Unlimited repair coverage

Get coverage against theft

The single article coverage of Protect Your Bubble’s renter’s insurance also covers cameras. However, it only provides $2,800 coverage for loss, intentional damage, and accidental damage. 

Best for: Insuring multiple cameras

Is There a Specialized Insurance Policy for Nikon?

The company, Protect Your Gadget, offers a Nikon camera insurance program.  The key features of this Nikon insurance are instant coverage and an unlimited number of claims. Nonetheless, note that Protect Your Gadget’s insurance for Nikon has the same features as the generalized camera insurance of the companies we reviewed.  Additionally, this company also has specialized GoPro insurance. 

Camera Protection Plans

Asurion camera protection plan .

Asurion doesn’t have insurance policies that cover cameras. Nonetheless, you can still get coverage from the company through its camera protection plans – extended electronics warranty and Asurion 3-Year Camera Accident Protection Plan with Tech Support. 

Asurion’s extended electronics warranty protects digital cameras and other electronic devices from accidental damage. Moreover, it will take care of the cost of shipping broken electronics to Asurion service centers. There’s more. Aside from shipping costs, extended electronics warranty will also take care of the repair cost of broken electronics. 

Let’s talk about Asurion 3-Year Camera Accident Protection Plan with Tech Support. This is a camera protection plan you can purchase at Amazon. Asurion 3-Year Camera Accident Protection Plan sees to it that you spend nothing for the shipping and repairing of a broken camera. Additionally, it includes free customer support in case you need help in troubleshooting, solving errors on camera etc. 

You might also get your camera insured if you go for Asurion Home Plus. Asurion Home Plus reviews state that customers have managed to get their cameras covered aside from common household digital devices. 

Canon Camera Protection Plan

The Canon protection plan is also a warranty and not an insurance policy. However, it’s worth talking about because it’s wonderful for those looking for other ways to get their Canon cameras covered.

Canon offers coverage through its CarePAK Plus protection plan that takes care of normal wear and tear, accidental damage, and image recovery. Additionally, CarePak will take care of service cost but only if the camera is brought to Canon service centers. 

Do You Really Need Insurance for Your Camera? Let’s Consult the Front Page of the Internet

Here on Insuranks, we say that you need to get your camera insured. But still, we know that you can’t make a decision with only our opinion. And so, let’s take a look at some comments on camera insurance reddit threads. 

“If you’re not using the camera professionally, add it to your homeowners or renters insurance. It’s cheap and worth it. If you are using it professionally, you’ll need a separate policy. Still worth it, but more expensive.” – JustTheFactsMaam

“I would say without a doubt insurance is worth it, especially considering you have $5,000 worth of gear. Assuming you are not a professional you should be able to get a pretty cheap rider plan through your homeowners/renters insurance that has coverage for lost and stolen equipment, as well as accidental damage. My plan covers all of that and I pay less than $7/month, which is a very small price to pay for peace of mind” –  Hankey

“How likely are you to break/lose any of your gear/how much do you rely on it for income, if you need it or have a high possibility of breaking it then I’d say it is probably a worthy investment. Otherwise, I think insurance on cameras is just a huge scam, they basically rely on you paying them more than you will ever claim to make money, so if you just put a certain amount of money aside each month so if something ever does happen to your gear, you will have enough to cover it and you will probably end up paying less than if you had an insurance” – KingTauntz

“I have camera kit insurance. Last week, my D7000 and lens got smashed when the wind knocked my tripod over, nowhere near home, mind you. I spent 25 minutes on the phone with them that same day, told the whole truth, and had the money in my account within 3 days. I pay $17/month and it covers pretty much everything I own, so long as I don’t make a living off it. The one drawback is that there was a $500 deductible, and they went with the lowest price they could find online for a new body.”   – BelgianWaffle

How Can You Protect Your Camera from Damage?

Insurance carriers can cancel your camera coverage if ever you repeatedly make a claim. And so, it’s best to take care of your camera even if you got it covered with an insurance policy. In this section, let’s talk about how can you protect your camera from damage.

Always Use The Strap

All cameras have a strap that you can wear on your neck or wrist. While it’s true that the strap feels uncomfortable, it’s undeniable that it perfectly protects the camera against theft. 

There are also instances where other users didn’t use the strap and then dropped camera in water. With that said, never underestimate how helpful the strap can be. It’s useful and that’s why manufacturers always put a free strap on their 1000 dollar camera.  

Buy a Camera Bag 

Most like to store their cameras together with clothes in the luggage and don’t realize that by doing so, the camera’s lens or shutter can easily get damaged.  If you own a camera, it’s a good decision to get gear up camera bag as it will keep the camera free from dust, moisture, and breakage.

Buying Your Camera: A Guide

If you’re researching camera insurance because you’re about to get a camera soon, then here’s a guide that answers all of your questions about buying a camera. 

What Kind of Camera to Buy?

To determine what kind of camera to buy, first answer the question,” What kind of user am I ?”. Are you a casual traveler who loves to take photos? The camera collector? Someone who shares the beauty of the world with others through pictures? A photojournalist maybe? 

If you’re a traveler and loves blogging, then you’ll want to get a life blogging camera  like the Sony A6500 or the Canon Rebel T7i, which have a slim design that makes them very portable and the best log camera right now. But what if you’re not a travel blogger but are someone interested in taking snapshots of places? In this case, the camera for you are point-and-shoot cameras like the Canon PowerShot Elph 180 / IXUS 185 and Sony Cyber-Shot DSC-W800.

Now let’s say you’re running a construction business or landscaping business and need a camera to survey an area. In this case, you’ll need a camera for business purposes like a camera drone or an econ camera for example. 

How about if you’re a video content creator working from home? In this case, the generic blog cameras are what you need. Most agree that the best blogging camera right now is the Sony ZV-1. Another famous blog camera for video creation is Osmo Action.

“What kind of camera do I need if I’m an insurance adjuster?”, – good question since we’re talking about insurance earlier. The best camera for insurance adjuster according to the post of agents in insurance drip reviews is the Fujifilm XP that’s waterproof, freezeproof, shockproof, and dustproof. 

How Much Does a Nice Camera Cost?

So how much do cameras cost? The average cost of brand new digital cameras in the United States is $189.54 as of 2022 . On the other hand, second-hand cameras cost 5%  or 10% lower than the list price of brand new digital cameras. 

How Much Does a Photography Camera Cost?

Brand new cameras used for commercial photography costs $2,500 – $3,000 on average. On the other hand, photography cameras for personal use cost $250 – $1,000 on average. 

How Much Does a DSLR Camera Cost?

The latest statistical data on the cost of DSLR cameras state that a DSLR unit is  $536.93. 

A DSLR camera is expensive. However, there’s no need to save money and wait to get a brand new one. Camera stores offer DSLR camera pay monthly plans for those saying “I need a camera right now!”

Nonetheless, to pay monthly for a DSLR camera has drawbacks too. Camera shops put an interest in their customer’s DSLR camera monthly payment plan. As a result, the customer pays more than what’s intended. 

How Much is a Professional Camera?

So how much does a professional camera cost? High-end cameras – those that professional photographers use – cost $2,000 to $5,000 including all attachments. 

But then again, the price varies from source to source as there’s no set definition for what is considered a professional camera.

For some, a professional camera is one that comes with all the advanced features the usual consumer camera doesn’t have. 

On the other hand, others say that a  professional camera is one  that works well and lasts long for its price regardless of whether comes with advanced features or not. Prasanna Bhalerao, an amateur photographer sheds light on this.

“ A professional-grade camera, or for that matter any equipment of that grade, is something that is robust, long-lasting, very reliable, guaranteed to return the same (quality) results time after time .” – source . 

Where to Buy Professional Cameras?

The best place to buy a professional camera is Cameras Etc Newark. Here are some online reviews about this store. 

“ OMG I love this place, they’re a veritable playroom for adults who love camera gear.  Staff is extremely knowledgeable and experienced ” – source . 

“ Always enjoying coming to Cameras Etc in Newark. The staff is always helpful and friendly.  Their knowledge about professional camera gears is outstanding and they are patient and customer-oriented ” – source . 

“ As a photo major at UD, I practically lived here and knew almost everyone who worked here by name.  It was always my go-to for new gear.  I found all the employees, particularly Dain, to be knowledgeable, patient, and passionate about photography.  I’d support this store over the big box stores any day !” – source . 

When Do Camera Prices Drop?

Since cameras are common giftable items, their prices drastically drop during the Christmas season. During such times, sellers sell their cameras for 5% – 10% lower. Black Friday is another time when camera prices drastically drop. 

Best Places to Buy Cameras That are Brand New in US

Many say that it’s best to go to San Francisco, New York, or Sioux Falls when buying brand new cameras. These three places have a lot of shops with the latest cameras from all brands at competitive rates.

Where to Find Brand New Cameras in New York City?

B&H and Adorama are the best places to buy a camera that’s brand new in New York City. B&H is the best camera shop in NYC that garnered a lot of awards. In 2018, it was named the leading online electronics retailer It was also named by Forbes magazine as America’s Best Midsize employer.

On the other hand, Adorama is the best camera shop in New York that ranks 7th in the rating of photography equipment sites. In case you’re looking for the best canon shop in New York City, Adorama or B&H is still the place to go. 

Where to Find Brand New Cameras in San Francisco?

The best camera store in San Francisco, if you’re looking for brand new cameras, is Samy’s Camera.  While in San Francisco, many photographers like to visit Samy’s Camera because it has an extensive collection of different camera models, implements very fair pricing, and employs a very knowledgeable workforce. 

Where to Find Brand New Cameras in Sioux Falls?

A Sioux falls camera store with a lot of good Google reviews is Harold’s Photo, which is a brand new camera shop and a photo studio. Another camera store in Sioux falls that online sources recommend you try for brand new cameras is Bodnar Studio & Camera Shop.

What are The Best Online Stores Selling Brand New Cameras in the USA?

The best online camera stores in USA that allow customers to pay monthly for cameras.

Econ Cameras

Peace Street Camera

How to Buy a Cheap Camera that Works Well?

If you like cameras but can’t afford to spend much, then why don’t you try buying second-hand cameras?  Contrary to the popular notion, second-hand cameras still work well (provided you have a keen eye). 

So how much does a second-hand camera cost? Used camera values depend on  camera depreciation life. According to experts, cameras depreciate 4% – 31% annually.  For example, a $1,000 camera will cost $300 or $400 in the next 10 years. 

That being said, buying a second-hand camera is the most viable option if you’re thinking,” I need the camera immediately “. Let’s talk about how to buy a working second-hand camera and avoid wasting money. 

First off, watch out for age if you’re buying a second-hand digital camera. It’s best to set a standard like refusing to buy a digital camera that’s more than 5 years old. Michael Wright, a camera enthusiast, comments on this:  

“The one thing to watch out for with digital cameras is that age matters. If I were to go back to shooting film, I’d happily use a 60-year-old Leica, Nikon, or Canon, because they’re mechanical, and if anything goes wrong, it can be fixed. Electronics can’t be fixed, only replaced, and after a while spares just won’t be available. The rate of improvement in electronics has slowed down a bit, but newer is still better. I would be a bit cautious about buying a digital camera more than five or six years old.”   – source . 

The second rule is to prioritize buying second-hand cameras from people who are selling their cameras for upgrading purposes. Amit Srivastava, CEO of Pixean, comments on this:  

“If someone is selling cameras because they want to upgrade to newer and better versions, then don’t think twice about buying. Else, don’t buy a used DSLR as there could be various reasons behind it. There could be some problem with the sensor, the shutter curtains, or the firmware might be corrupt ” – source . 

A rule to follow, when buying a second-hand camera that uses a shutter, is to ask the seller how many clicks the shutter has had.  James Linn, a photographer and IT consultant, shares his thoughts on this:  

“Each camera has an expected lifespan for the shutters in terms of the number of shutter clicks. Do not buy a DSLR with more than half of the expected shutter clicks used.” – source . 

Finally, if you’re buying a camera from a second-hand online store, then take time to post in forums to ask for suggestions on how to spot defects quickly. 

Where to Buy Used Cameras in New York?

If you can afford to travel, we suggest you try buying from a New York used camera store. New York  was the birthplace of American photography, and within the city, you can find a lot of camera stores that are highly dedicated to preserving the value of old cameras. This section will show you all of the places to buy used cameras in NYC.

The Photo Village

At first glance, the Photo Village might look like it’s an old store for a used camera in New York. However, don’t get fooled because this business just started in 2014. But despite being a new player, the Photo village has numerous collections of second hand cameras in NYC such as Sony, Leica, Kodak, Fuji, Polaroid, Voigtlander, and other brands. Those looking for the cheapest place to buy cameras in New York never fail to visit here. 

Willoughby’s

Willoughby’s is an electronics store where you can’t only find a new or used camera in NYC but also other electronic devices such as televisions, tablets, smartphones, computers, and more. If it’s second-hand cameras, this place is a wonderful option for it will give you the best used camera bodies from  Nikon, Sigma, Olympus, Fujifilm, Sony, and Leica.

KM Camera is an accredited dealer of popular camera brands. It has a store at Orchard Street and an online store where you can find used cameras in NY. The KM Camera team is not only committed to becoming the best place to buy camera in NYC but also to becoming the best camera shop in terms of customer reviews. 

Foto Care is an iconic used camera store in NYC. The store takes pride in its cameras from top brands such as Sony, Canon, and Nikon. With Foto Care, customers can buy used cameras in New York, trade their old camera, or rent. 

Where to Buy Used Cameras in San Francisco?

Aside from New York, you can also try San Francisco for buying second-hand cameras. Photographers highly recommended are Fireside Camera, Camera Heaven, and Camera Zone and Art Gallery. 

Fireside Camera 

Fireside is one of San Francisco’s oldest independent camera dealers. This humble store that’s known for selling high-quality used cameras in San Francisco is an accredited dealer of popular camera brands like Leica, Canon, Sony, Olympus, and Tamron. Fireside has a website. However, client transactions are all done at its store. 

Camera Heaven 

Camera Heaven is another independent dealer of used camera in San Francisco. Aside from taking pride as the best used camera store in San Francisco for buying vintage cameras of renowned old camera companies, Camera Heaven also takes pride in being one of the few shops that cater to complex camera repairs. 

What Do Redditors Have to Say About the Best Places to Buy Used Cameras?

Companies always mentioned in “ where to buy used cameras” reddit threads are:

Peace Camera Used Items Store

Is It Good to Buy or Sell Broken Cameras?

What for? If you plan to buy broken cameras and get them repaired to save cost, then we tell you that doing so is more troublesome and the amount of money you’ll save is the same as when buying second-hand cameras. On the other hand, if you’re planning to buy broken cameras to repair yourself and sell, then doing so is a good idea. Try Used Photo Pro, this online store has a lot of broken cameras for as low as $7. 

It’s also a good idea to sell a broken camera rather than get it repaired. This is because sometimes, repair costs can be as expensive as buying a new camera. If you’re planning on selling broken cameras, we suggest you sell them to BuyBackWorld or Peace Camera Used Store. 

Should You Get Second Hand Camera Insurance?

There’s no need for you to get stand-alone used camera insurance for your second-hand camera. The smart thing to do is to get it insured through your renter’s or homeowner’s policy. Both will already cover your camera in case of damage. However, there might be exclusions.

Are There Stolen Second-Hand Cameras and How to Spot One?

Online marketplaces and brick-and-mortar stores selling valuable old cameras strictly condemn theft and never sell stolen cameras to customers. However, though the chances might be slim, you can still buy a stolen camera from someone. And in this section, we’ll teach you how to check if a camera is stolen. 

You can always do a stolen camera serial number check. A serial number is a series of numbers unique to every camera unit. Manufacturers engrave this so that owners can track their cameras in case of theft. 

The Sony a7iii and Nikon D7000 are perhaps the most stolen cameras. The Sony a7iii serial number is at the bottom of its body, near the battery compartment. The location of the Nikon D7000’s serial number is the same. 

Once you know the serial number of the camera in your possession, visit websites having a stolen camera serial number list. The best website for Sony a7iii serial number check is Stolen Camera Finder . On the other hand, the best website to check Nikon serial number stolen is Lenstag . 

Where to Sell Old Cameras for Cash?

Some people value old cameras and will be more than happy to have the one you’re having right now. However, before you wonder about ,“where can I sell my camera for cash near me?”,  figure out how much to sell your old camera first, so that you can make the most money and buy a better one. And so, let’s have a quick talk about camera appraisal. 

How to Appraise a Camera?

Those who make a living by selling used cameras determine the price of their goods according to the model unit, the longevity of use, possible defects, and looks. However, you don’t have to do the same. Experts say that those who only sell second-hand cameras on rare occasions can determine old camera value by:

Determining the camera make and model

Visiting online marketplaces or brick-and-mortar stores to see the current list price of the camera make and model 

If you don’t want to do the legwork, then ask yourself “ Is there a camera appraisal near me ?”. Usually, what you should look for is a pawn shop or a second-hand camera store employing someone experienced with antique cameras appraisal.  

But know that there’s no need to go out and look for a camera appraisal service as some appraisers render their services online. Try visiting DrLoriv.com and AntiqueCameras.net . 

DrLoriv.com is owned by Dr.Lori, a professional specializing in vintage camera appraisal. To get your camera appraised, all you need to do is schedule a video call or send the photo of your camera to Dr.Lori via email. 

AntiqueCameras.net is another website that helps people determine the value of old cameras to sell. We don’t know who runs this website. However, what we know is that it offers 2 levels of appraisal for old cameras, which don’t take more than 48 hours.  The cost of appraisal service from this website is $5 – $12 and you have to pay using PayPal. In case of disputes, AntiqueCameras.net says that it’s willing to give a refund. 

How to Sell Your Old Camera?

You can list your camera on eBay. If not eBay, then try Amazon. Obviously, if not eBay or Amazon, then you can sell your old camera on camera shops.  Not all camera shops will be happy to purchase an old camera. And to know which ones buy and which ones don’t, look for a sign that says “we buy cameras” or something similar on their storefront  or their website. 

Where is The Best Place to Sell Camera in NYC ?

Now let’s talk about where to sell a used camera in NYC. According to reviews, B&H is serving as the best place to sell cameras aside from being the best used camera store in NYC (best used camera store nyc). Here are some proofs:

“B&H, very quick and professional! I am a photographer myself though, so when I sold my gear it was just to get credit towards what I was buying” – source . 

“I recently sold a 4-year old used DSLR body and kit lens to B&H. Their online estimate was $75 more than what their ultimate quote was, but I was happy with it overall” – source . 

Repairing Your Camera

Cameras last for long but not forever. And there will come a time when you’re breaking the camera because of carelessness or too much use. 

We understand that you might be just like others who can’t afford to get a new camera right then and there. Can you get a camera repaired in the USA? Absolutely. Cities like New York and San Francisco have a lot of camera repair shops for Nikon, Sony, Canon, and other brands. 

I’m Using Nikon, Where Can I Take My Camera to Get Fixed in NYC?

Look for these businesses if you’re looking for Nikon camera repair in NYC:

Camera Doctor

Nippon Photo Clinic

Photo Tech 

Just in case you’re using Sony instead of Nikon, then these are the best shops for Sony camera repair in NYC:

Chrysler Camera

As you can see, we didn’t include iDropped as one of the best places to get a camera fixed in New York. Here’s the reason; It’s true that Idropped prices are very low and range from $50 – $99+ depending on the repair work needed. But the company doesn’t repair cameras but only laptops, android phones, laptops, and iPhones. 

Where to Get My Canon Camera Repaired in San Francisco?

Repair shops that many recommend for Canon camera repair in San Francisco are:

Seawood Photo Incorporated

Kamera Korner

Wolf Camera

Sony A7iii Shutter Replacement Cost

The average cost of shutter replacement for Sony A7iii is $500 – $650. 

Do Insurance Companies Take Pictures of Your House?

Insurance companies take pictures of their customer’s house. An insurance photo will help with  the approval or rejection of an insurance application or  insurance claim. Let’s talk about security cameras and home insurance. 

Can You Make Money Taking Pictures of Insurance Companies?

Some take pictures for insurance companies and earn money. However, the process is not easy. You’ll have to find a carrier that’s hiring photographers. After this,  you’ll have to prove that you’re a good photographer by sending a portfolio. If you’re hired, then expect to earn $19.56 an hour by taking pictures for insurance companies.

Do Security Cameras Lower Home Insurance?

“I am in the insurance industry in the USA. Most companies I work with give discounts for fire/burglar systems that have central reporting. So home cameras that go to your cell phone, etc won’t qualify but an ADT like system that notifies a dispatcher will .” – source

Security cameras can lower home insurance premiums. Many insurance carriers offer a discount to customers who install the right security cameras. But know that there are no commercial laws in the United States that dictate insurance companies to give lower premiums to customers who have security cameras at home. Simply put, it all depends on the carrier. 

Home Insurance Discount for Security Cameras Insurance Companies Offer

Here’s a table that shows the home insurance camera discounts of different carriers in the US:

Do Security Cameras Depreciation Life Affect Insurance?

Carriers might not give you a discount if your house uses an outdated security camera the moment you get homeowner’s insurance. Security camera depreciation life doesn’t necessarily affect insurance premiums. What’s certain is that it will affect your eligibility for homeowner’s discounts. 

Where to Get Home Insurance with Free Security Camera?

The insurance company, Hippo, will give you a free security camera if you decide to qualify for its Smart Home insurance program. Hippo claims that customers who decide to get insured save $64  – $91 on their insurance premiums. 

USAA and American Family don’t really have home insurance with free camera. Nonetheless, they’re worth mentioning as both sell ADT security systems to their policyholders  at very cheap prices, which almost equates to getting a free security camera from USAA or American Family upon buying a homeowner’s insurance. 

Can You Get CCTV Insurance?

Insurance companies right now don’t have a dedicated insurance policy that covers a drop camera pro and  other CCTV cameras.  But know that your homeowner’s insurance or renter’s insurance has personal property coverage that can serve as a CCTV camera protection cover.

Get all the best quotes from leading providers in a click of a button!

Aside from The New Version of the Camera Which I Got Last Year, I Also Plan to Insure Its Accessories. What’s The Best Method to Do So?

If you’re into hardcore photography, then chances are you have several new or old camera gears. A camera is already good for taking photos. However, its capabilities might be limited. And so, camera gears are available to further improve a camera’s functionalities. 

Your photo camera equipment needs protection as much as your camera does. However, your carrier might not cover camera gears or camera equipment in its standard camera insurance policies. And so, you’ll have to get separate insurance for camera gear or insurance for camera equipment.

What is Insurance on Camera Gear?

An insurance on camera gear or insurance on camera equipment functions to protect your camera’s attachments. Many professional photographers and hobbyists say that this is the best way to insure camera equipment. The most common camera accessories the policy covers are:

Camera lens

Polarizing filter

Camera repair/cleaning kit

External Flash

Flash transmitter

External hard drive

Just like other insurance policies, insurance for camera gear insurance for camera equipment have exclusions. Carriers, who will insure your camera equipment, will not provide coverage for the following accessories with their camera equipment insurance:

Shoulder strap

Memory card case

How Much is Camera Equipment Insurance?

Camera equipment insurance cost is $45 a month or $540 a year. Cost depends on factors like your location and the total value of camera gear to be insured.

What are The Most Important Considerations When Insuring My Camera Gear?

The first thing you have to do when insuring a camera gear or insuring a camera equipment  is to ask the insurance company, broker, or agent about how their claim process works. Having a clear idea about the claims process is very important to avoid rejection if you need to use your insurance in the future. Confirm if you need to submit a photo or video, submit copies of the original receipt, or submit the serial numbers of the camera gears to prove you own them. 

The second consideration when you insure a camera gear  or insure a camera equipment is to think about how much you’ll get from your insurance policy. Will your insurance  account for the full value of your camera gears? Or will it only account 60% – 80%? Also, it’s important to know if the policy limit applies to all gears insured or if there’s a sub-limit for particular camera gears. By the way, the will account for the full value of insured camera equipment and will have sub-limits for comprehensive coverage. 

“What’s the third consideration when planning to insure my camera equipment?”, The third consideration – for finding the best insurance for camera gear – is the number of claims you can make.  Some camera gear insurance companies allow you to make an unlimited number of claims – these are the best by the way. On the other hand, others will only allow you to make 3 claims or 5 claims then cancel your policy. These are the ones that you should avoid. 

By the way, if you’re looking for live tips about camera gear insurance, we suggest you go to camera equipment insurance reddit threads or camera gear insurance reddit threads. Just post a question, and soon enough, hundreds of answers will be posted. 

Where to Rent Camera Equipment in San Francisco or New York?

The best places where you can rent camera lenses, tripods, and other camera accessories in San Francisco are Looking Glass Photo & Camera, Studio B Camera Rentals, and Chater Camera. On the other hand, the best shop for renting camera equipment in New York is Borrow Lenses NYC. 

What is Camera Equipment Rental Insurance?

A renters insurance for camera equipment works the same way as a camera rental insurance. The policy will help you pay the real owner in case their camera equipment got damaged in your possession. 

Is There Travel Insurance for Camera Equipment?

International travel with camera gear can be problematic. Your camera gear bag might get lost in the airport, get taken by a thief in a restaurant or tourist location, or  get left in a taxi. And so, you should consider insuring camera equipment for travel.

There are carriers that offer travel insurance for camera equipment.  This policy is basically a standard travel insurance with an optional coverage that accounts for your camera gear.  But there’s a limit on how many accessories you can insure and travel insurance carriers will only allow you to cover $400 – $600 worth of camera gear. 

Where to Get The Best Travel Insurance for Camera Gear?

The best travel insurance for camera equipment right now are Holiday Travel Extras, World of Nomads, and Protect Your Bubble. Many have been insured by these companies and enjoyed hassle-free international travel with camera gear. 

Holiday Travel Extras provides the best option to insure camera equipment while traveling as it can give you $1,000 – $3,000 coverage for accidental damage, theft, and malicious damage or loss. 

World of Nomads, on the other hand, is great for insuring only 2 – 3 camera accessories. Note that this company allows you to add camera gear coverage to your standard travel insurance. 

Protect Your Bubble is the best if you’re planning to have numerous camera equipment covered by photo gear insurance. The company uses a set pricing and doesn’t determine insurance premiums based on the number of camera gears to be insured. 

Where to Buy Camera Equipment?

The best places to buy camera equipment  – not the mainstream overrated ones – are Abe’s of Maine and Precision Camera and Video

Go to Abe’s of Maine if you’re looking for one of the best places to buy camera gear in New Jersey. This one doesn’t compare to the popular Adorama or B&H. However, Abe’s of Maine has a wide collection of camera equipment in its inventory and sells them at very cheap prices. 

Precision Camera and Video is the best camera equipment store in Texas. If you’re far from Texas, take the time to travel as this store is worth the visit. Precision Camera and Video puts generous discounts on its camera equipment. This store even has a photo studio where you can test your newly purchased gears. 

How to Get Free Camera Gear?

New businesses give freebies on their opening day to their first customers. And so,  one simple thing to do to get  your old camera equipment replaced with a new must have camera gear is to explore cities or ask people online for new camera shops. 

Look for a buy-one-take-one offer when you plan to buy camera equipment. For example, during the holidays, some camera stores give promos and sell camera lenses together with a free camera hoods

The final method is to scour the internet for freebies. Through search engines, you can find a lot of websites that give photo camera equipment for free. Examples are Camera Giveaways and Tomoson. 

Camera Giveaways might not look much as its website looks very simple. However, there are online testimonials that prove that it does give camera equipment for free.

Unlike Camera Giveaways, Tomoson looks very legit even at first glance. However, there’s a catch. You can only get free camera equipment from Tomoson if you’re an influencer. Getting a camera from Tomoson is very simple. All you have to do is register, file an application for free camera equipment, and wait for the products to be shipped if approved.  Note that Tomoson is very good as its freebies are not the usual generic cheap camera equipment or cheap camera gear but are the high-quality pieces of the best brands. 

What to Do with Old Camera Equipment?

If your old camera equipment works fine, it’s best if you sell them as second-hand items. By doing this, you can recoup 60% or 80% of your total investment to have those old camera gears in the past. We suggest you sell first to someone you know, so that it’s easy to negotiate how much you want to get from selling your used camera equipment. 

If you want to sell to strangers, then we suggest you sell used camera gear online. The best methods for doing this arei by listing your camera gear on Facebook marketplace (no listing fee required) and eBay. How about Amazon? Amazon sells cheap photography accessories and cheap photography supplies so it’s a good option too.  

Are you not good at sales talk? If this is the case, then you should visit stores where old camera equipment are wanted. Examples are pawnshops and stores buying used camera equipment in NYC.

Help others make better decisions

Photography Equipment Insurance

Note that camera gear insurance will only cover the attachments on your camera.  It will not provide coverage for photography lighting, photography backdrops, softboxes and reflectors, and photo editing computer. The insurance policy that provides coverage for these is photography gear insurance or photo equipment insurance. 

Those running a photo studio opt to get coverage for their camera, camera accessories, and photo equipment through photographic equipment insurance. This is because the policy provides coverage to all devices used in photography. 

Insurance for photography equipment is only available as a stand-alone policy or as additional coverage in photographer’s business insurance.

Just like camera insurance, photographic insurance can cover all types of photography equipment against theft, intentional damage, and accidental damage. 

Does Geico Have Equipment Insurance for Photography?

Geico equipment insurance can serve as photo gear insurance. However, coverage is only possible if you’re running a photo studio. This is because the company only allows you to insure photography gear by getting optional equipment breakdown coverage on standard photo insurance for business.

Which is Better? Camera Insurance or Photographic Equipment Insurance?

If you’re only insuring a camera, then a camera insurance policy is better than a photographic equipment insurance policy. It’s because the former provides a more straightforward process in insuring a camera than the latter. 

On the other hand, if you want to get coverage for your camera, camera accessories, and photography kits, then it’s best to get professional photography equipment insurance because it has higher policy limits. 

Where to Get the Best Insurance for Photography Equipment?

We suggest you try Full Frame Insurance. Full Frame covers all types of photographic equipment used in photo studios at a set fee. Also, its photographic equipment insurance policy doesn’t have any deductibles. 

Full Frame insurance reviews are very positive and many photo studios recommend this company. By the way, aside from insuring equipment for photography,  the company also offers Full Frame photography insurance, which includes liability coverage with no deductible. 

You can buy Full Frame equipment insurance online or through full frame agents. By the way, if you’re only insuring a camera, go for Lemonade instead. 

Can I Use Travel Insurance to Insure My Equipment for Photography?

A camera and its accessories are the only equipment for photography that can be covered by travel insurance. Other photographic equipment are excluded by carriers. In simple terms, there’s no travel insurance for photography equipment. 

But know that even if you can’t get photography equipment travel insurance, you can still get covered. But how? You can insure equipment for photography using inland marine insurance. 

Can You Buy Photographic Equipment as a Set?

You can buy photography equipment for studios as a set. This includes a lighting box, backdrop, photography umbrella, lighting kit, and more. 

How about cameras and other photography equipment? Are these sold as a set? The answer is no. A professional photography kit from stores rarely includes a camera or camera accessories. Cameras are sold individually or may be sold with a free lens or tripod as a freebie. 

Is It Good to Buy Used Photography Gear?

The answer depends on where you’re buying.  Buying used photographic equipment from a stranger is not good as they always come with issues. On the other hand, photography gear from second-hand stores  were checked for quality and repaired before being  displayed for sale again. Therefore, buying them is a good option. 

Where to Look for Cheap Photography Equipment?

Look for cheap photography equipment in New York. Visit shops like Pro Image, Shotkit, and Robert’s Cameras, which also happen to be part of the best places to buy used photography equipment in NYC. 

You can also look for cheap photo equipment in San Francisco. The store we recommend you visit to find photography equipment that’s cheap is Digital Powell which sells professional cameras and equipment  for newbies, hobbyists, and professionals. 

Film Equipment Insurance

If you’re into photography or filmmaking, know that the equipment in your possession right now might not be covered by photographic equipment insurance. The reason is obvious. Photography equipment and professional filming equipment are not the same. 

The insurance that will cover your possessions is film equipment insurance or video equipment insurance. Equipment you can cover using this policy are video cameras, external video camera lights, three-point lighting kits, shotgun microphones, shock mounts, XLR cables, and more. 

Note that aside from brand new movie equipment for filmmaking, you can also use this policy to insure used movie equipment. 

By the way, if ever you only want to get your DSLR film gear covered,  like the audio recorder attachment, hood loupe, density filter, slider, and  shoulder rig; Then you can also qualify for a video camera equipment insurance, which is a least comprehensive version of insurance for film equipment. 

You can get video production equipment insurance or film equipment insurance as a stand-alone policy. But you need to also know that it’s available as an optional coverage in business insurance policies like video production insurance or videography insurance. 

Where to Get Production Insurance in NYC?

Companies that offer production insurance for filmmakers and videographers in New York are Eaton Insurance and Rowin Insurance. 

Eaton Insurance offers a production insurance policy with film equipment hire insurance coverage. Aside from insuring your film equipment, Eaton Insurance also insures you against legal liability, extra expense, and more. In case you’re looking for temporary production insurance with worldwide coverage, know that Eaton has this too. 

Rowin Insurance, on the other hand, has 40+ years of experience insuring filmmakers, producers, and videographers. This company has production insurance with film equipment rental insurance coverage. 

What is Video Equipment Rental Insurance?

A video equipment rental insurance or a film equipment rental insurance is a policy that provides coverage to any rented film equipment. Through this insurance policy, you can afford to pay the owner if ever the equipment got damaged or stolen in your possession. 

How to Get the Best Film Equipment Insurance?

Try comparing insurance quotes. By doing so, you’ll find the carriers that offer cheap production insurance quotes offering stand-alone or bundled film equipment insurance coverage. Start your comparison using our page. Click the “Get Quotes” button, fill-up the form, and receive quotes from the top carriers in the United States. 

Camera Lens Insurance

The United States doesn’t have insurance companies with specialized insurance policy that covers camera lenses. You can get your camera lens covered using your homeowner’s insurance or renter’s insurance. Another way to get coverage is to qualify for a camera and lens insurance policy. 

How Much Do Camera Lenses Cost?

The cost of standard-zoom lenses is  $240 – $2,314. On the other hand, exclusive lenses for professional photography cost $1,500 – $30,000. If you’re buying a professional lens, it’s best to ask the seller if you can have it through a camera lens payment plan. 

Where to Get Camera Lens in New York?

There are two places we recommend if you want to get the best lenses in New York City, Lomography Gallery Store and Audio46. 

Where to Buy Used Lenses in NYC?

The best stores for buying used camera lenses in NYC are Eliz digital, Panorama Camera Center, Sell Camera and Lens NYC, and Marcy Camera & Electronics. 

Where  Do You Find Canon Lens Repair in NYC?

The best stores to visit if you’re looking for canon camera lens repair in NYC are Advance Camera, Photo Works, and Peak Design. 

Where to Sell Camera Lenses for Cash Near Me?

It’s hard to sell broken camera lens. However, you can try listing it on eBay for a very cheap price. You can also visit camera repair centers and ask the technician if they pay for a broken camera lens. 

Recent Reviews

Jones Smith Insuranker

Policy Type: Home Insurance

Company name: Lemonade Insurance

I signed with Lemonade a few months ago and recently had to file my first claim ever with them. My claim was completed and a few things in the process were excellent. Because I was in a non-English speaking country, where communication would have been difficult, they didn’t make me file a police report, which was great. However, they did have some very critical technical failures in processing my claim. For whatever reason they could not receive my emails, and so I had to send them... Read More

Priscille Bonneva Insuranker

I had an excellent experience all around my customer lifecycle with Lemonade. Super easy to get information through their app, application process is smooth - seamless experience! Refunds and claim payments are done super fast! Lemonade is transforming the way insurance companies take care of their clients. Highly recommended!

Sam Taylor Insuranker

A revolutionary insurance company delivering a revolutionary insurance experience! WOW!

I was thinking of something not positive to write about Lemonade insurance company, but just couldn't find one. Pleased with their service in every possible aspect. Had a damaged roof, they paid it fast and supported and instructed me all along. If I could only have them in the past 25 years as a homeowner that I spent on a different company that wasn't as great. If you're reading this, change your homeowners insurance company to Lemonade now! Great choice!

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Best renters insurance rates I found, best customer experience as well!

Anonymous Insuranker Insuranker

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Awesome AIG thank you!

Anonymous Insuranker

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Chubb is great!

Our house roof was damaged by a hurricane. Chubb home insurance covered our roof replacement, we only had to pay the deductible. Chubb were very quick to approve our claim and handle it! Very grateful customer!

Chubb's home insurance is the best home insurance with no competitors. The experience can't get any better than that. There was a major damage in our home which we filed a claim for... Chubb approved and paid it INSTANTLY! No issues whatsoever and they compensated for everything. Chubb homeowners insurance might not be the cheapest choice, yet it is worthy of it because they will be there for you when you most need them!!

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Geico homeowners insurance is great in our experience. never had any issues, and whenever we needed them they were there very promptly.

GEICO homeowners insurance was very professional and fair. Never had any issues with this company and whatever I needed help with was solved very fast.

Company name: Gen Re Insurance

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Liberty Mutual homeowners insurance is a very good product! You don't pay above your own needs. Their customer service is so accommodating, warm, friendly and helpful. Warmly recommended!

The value for money with Liberty Mutual is simply awesome. The coverage is very comprehensive and based on your needs and the customer service is very good as well.

Liberty Mutual homeowners insurance delivers an outstanding online experience. Fast and easy handling of issues!

Excellent homeowners insurance rates and perfect customer service!!

Love Liberty Mutual, their customer service representatives are just lovely to deal with!

Company name: State Farm Insurance

Over 21 years with State Farm and had an outstanding experience with State Farm homeowners insurance!

Company name: Zurich Insurance

They'll do anything to deny your homeowners insurance policy claims. STAY AWAY FROM THEM.

Brian Rupert Insuranker

Company name: Berkshire Hathaway GUARD Insurance Companies

I had a wind and hail claim and called the claims department. They transferred me to a claims subcontractor who kept giving me runaround. They kept telling me the hail damage was not widespread enough to justify payment over what my deductible was. But the roofer told me it was and provided pictures as proof. I don't think this is a legitimate insurance company. They just sub everything out. Everyone passes the buck. No accountability in anyone to do a job. I dropped them and reshopped for a... Read More

Company name: Allstate Insurance

A few months ago our roof was damaged from last Winter’s hail and winds. I filed a claim on January 15th, 2020. The adjuster only showed up at my house on Jan. 26th. The inspector and my contractor met to review the roof interior and exterior damage. As soon as the inspector got off the roof, she called the Allstate adjuster on the phone and started a flirt-conversation that lasted for about six minutes. After she finally put me on the phone with him, he gave me a 20-second response... Read More

Nice rates and positive experience.

Great experience. My place got flooded and Lemonade was there to assist exactly when they were needed. The whole process took 3 days, since my homeowners took their time delivering things over to them. The entire process is super easy, everything was easily and quickly done through their app plus sending over a list of required documents to them. Cannot recommend it more.

Being engaged in a tough situation with my home owner that was very close to becoming a legal issue, I filed a claim, Lemonade handled and settled the dispute easily. The representative was super professional and reassured that I am kept in the picture, updates were added on my claim all along the process. Despite the settlement was taking some time, it was easily resolved with zero hassle and issues, with me eventually ending up paying zero deductible! I AM HIGHLY RECOMMENDING LEMONADE TO... Read More

I would like to give thanks to Lemonade for how they handled my claim. Insanely fast, highly accountable and service oriented support team in relation to my claim process. Super effective, instant process, the mobile app is amazingly simple to file the claim and deliver the required items and photos to its claim centre. The representative that was assigned to us got in touch on a consistent basis via email in every step of the process to reassure that the claim is well documented. Through this... Read More

Lemonade is excellent! Dealing with Lemonade three times was by far the greatest experience that I ever had with any company, let alone insurance company.. Their service is super fast, effective and caring!

Having my laptop stolen, I’m super grateful for having Lemonade as my insurance company. The claims process was insanely fast and smooth. It has a super easy claims process, my claim was approved fairly instantly.

Most amazing customer experience!! Super smooth claim process. The claims representative assigned to the case was highly professional, dedicated and got back to me with answers to every question I had and clear directions. Claim approval took less than a twelve hours and the claim payments were sent to my bank account instantly. Thank G-d for Lemonade!

Delightful insurance experience. A claim specialist is assigned to your case quickly after filing a claim. My representative was super useful, thoughtful and helping. The claim process is quite simple and our rep gave precise directions and guidance throughout it. Very cool company! Great value for money!

Lemonade is an excellent company. Highly responsive to customer needs. Their technology is revolutionary and communication is as smooth as it can possibly be.

Great insurance experience! By far the best insurance company for claims. They take you hand in hand through the whole claim process. They assign a claim specialist for every filed claim. Ours treated us with great care and cleared out any possible questions that we had in the confusing situation that we were at. I strongly recommend Lemonade for anyone seeking home insurance. Fast and easy claims. Everything can be handled through the app.

Lemonade is possibly the best Insurance company out there. Their customer service is absolutely a whole different class of care!! World class service and outstanding added value. Our advisor was very professional, knowledgeable and exceeded our expectations in terms of care. Lemonade is most definitely an insurance company that I would warmly recommend to all my family and friends.

Best insurance company ever! Had an excellent experience with Lemonade, from A to Z. From easy application and super friendly innovative claim process through their app, to their fast claim approval, it was a very smooth experience for me. Getting paid for the funds stunned me, it was as if they were waiting for me to file a claim so they can pay it. Lemonade is a pioneering company, transforming the insurance customer experience. A true game and industry changer/shaper. Already recommended it... Read More

Amazing company. Highly attentive to your needs, very patient, tolerating and understanding to the situation the customer is facing. I recommend Lemonade to simply anyone. Best Renters Insurance experience I could ever imagine.

Lemonade was extremely easy to sign up for using their app, it delivers excellent and affordable coverages. Having some type of damage to the apartment by a fire in the building, I was easily taken care of by our rep through email as well as a fast phone conversation to process my claim and cover my damaged items.

They take care of your claims with great treatment and are super responsive and caring. I think they are great.

Love the customer service, amazing experience keep it up and thank you very much for everything!

Some low-life broke into my home and stole all my music equipment while I was out. After filing a police report, I delivered all the documents to Lemonade who were there for me every step of the way with their innovative approach! After quickly reviewing my case and all the documents, Lemonade refunded all my money back for the stolen equipment. Excellent experience!

At the beginning I was pretty much stressed out because it took them a longer than they stated. Then I also read a few bad reviews about Lemonade on Yelp. They ended up paying my claim fast and with zero issues! I would recommend them.

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THE BEST Dining in Elektrostal

Restaurants in elektrostal, establishment type, traveler rating, dietary restrictions, restaurant features.

• Amsterdam Moments
• Beer Club Tolsty Medved
• Restaurant Globus
• Cafe Antresole
• Fabrika Obedov
• Prima Bolshogo
• Coffee Shop Usy Teodora Glagoleva

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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