BirdForum is the net's largest birding community dedicated to wild birds and birding, and is absolutely FREE!

Register for an account to take part in lively discussions in the forum, post your pictures in the gallery and more.

Reply to thread

Message: <blockquote data-quote="Methodical" data-source="post: 1771844" data-attributes="member: 84686">I'd suggest you get a separate stand alone personal article policy for your gear and do not place it as a rider on your home owner insurance policy or any other policy...why?  This is for US residence...can't speak for other countries, but probably similar rules though.  Just something to think about.1.  There's no deductible2.  If you ever make a claim for your gear, it goes against your house policy, which here in the US goes on your CLUE report for all insurance companies to see (they use this to rate you for insurance), which can make you a higher risk and cause your home owners insurance rates to increase, or not be renewed, or worse insurance companies don't want to touch you.I'd suggest you really talk to your agent and don't believe nothing they say about coverage...only go buy what's in the policy terms and conditions...'cause most don't know all the terms.I have a policy with State Farm separate from my household insurance at a rate of $1.20 per $100 of coverage.  It covers everything but normal wear and tear.Al</blockquote>