Does Renters Insurance Cover Camera Equipment?
21750 POINTSview profileJim WinklerCEO/Owner, Winkler Financial Group, Houston, TexasThat is a great question! If the camera equipment was damaged or stolen from your apartment, it should be covered. Was it specialized equipment? If so, you hopefully had kept model and serial numbers, and had it mentioned under your coverage. Contact your agent to be certain, but you should be fine. Thanks for asking!Answered on May 8, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Yes, they usually do, but talk to your Insurance Professional because many companies will only cover unscheduled camera equipment up to a certain limit and subject to your policy deductible. In order to be sure that you have the proper amount of coverage that you need for items like this, it is best to consider insuring it "specifically" on either a rider to your Renters Policy or as a stand-alone contract. This way, your coverage will be based upon the retail value or appraised value of your equipment, which would also be identified by make and model which would make replacement much easier if you suffered a covered loss. Also, in most cases, this coverage is offered with out a deductible as an option meaning that you have in effect dollar 1 protection.Answered on May 8, 2014flag this answer
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