Does my home insurance cover my boat?

Mike Schmisek – Farmers Insurnace, discusses whether or not your home insurance extends to boats, jet skis, and yachts.

Most policies contribute small amounts to trees, shrubs and lawns, but check to make sure you understand what is covered. Adds New Camera Insurance Provider to Panel Adds New Camera Insurance Provider to Panel

(PRWEB UK) 10 May 2012 have added a new camera insurance provider, Cheaper Gadget Insurance, to their website. They hope that with a bigger selection of insurers to choose from, they will be able to further cater for everyones needs.

With the advantages of digital cameras and equipment, and the fact that most handheld gadgets such as mobile phones now have cameras built-in, the numbers of cameras and gadgets are steadily increasing.

But where do these gadgets fall under insurance? This is easier to consider when the people who own and use them are split into two groups, amateur and professional photographers. For the purposes of insurance, generally a professional photographer is someone who earns more than 50% of their income from photography.

Sergio Pia of Cheaper Gadget Insurance said that they were “Excited to be working with”, and hoped that their cover “Starting from as little as £44.99 for 5 gadgets, up to £500 cover in total per annum, would provide a high-level and fully comprehensive cover to our customers.”

According to, 44% of amatuer photgraphers visiting their website search for equipment valued up to £1500, and 32% for equipment valued between £1500 and £3000.

Some amateur photographers may have similar valued items insured under their home insurance. This may work on some occasions, but some home insurance policies can have a high excess, and if even a minor claim is made the no claims discount can be lost, leading to a dramatic increase in premiums. Also, some home insurance policies will actually have limitations that the average person is unlikely to be aware of. Items may only be covered whilst at the home address, or not covered for accidental damage, for example. This is fine if the camera is lost during a burglary or fire, but no help at all if it is dropped or stolen whilst on holiday abroad.

With 47% of proffessional photographers searching for equipment valued over £5,000, home insurance is extremely unlikely to be anywhere near comprehensive enough. Generally, home insurance will not cover professional or business use of any equipment, or have a restriction on the value that can be covered outside of the house. As well as often owning valuable amounts of equipment, professionals usually have to consider the added protection of public liability insurance to protect themselves and their customers against third party damages.

Specialist websites such as are able to offer a selection of camera specific insurance policies. These can be perfect for both the amateur and the professional photographer, and a range of options are also available to provide a comprehensive, tailored policy.

A tailored camera insurance policy can be advantageous, as it is specific to the photographic items and separate to any other existing policies. For example, if a claim is made on a camera insurance policy, any payment made will not result in a loss of home or contents insurance no-claims bonus, which as mentioned above can adversely affect premiums for several years after renewal. Another advantage is that the companies offering these policies will have more experience with photographic equipment, so if they do need to provide assistance or a replacement item as part of a claim, they will be in a much better position to do so than any generic company would. Some camera or gadget insurance policies also have zero excess, whereas this is quite unusual with home insurance. offers a range of cover, from simple gadget policies, designed for low value cameras, camcorders or mobile phones, through to professional insurance policies for thousands of pounds worth of specified equipment and public liability cover.

For more information, see

Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Home Insurance Cover Press Releases Launches Insurance Myth of the Week Program Launches Insurance Myth of the Week Program

Toronto, ON (PRWEB) January 19, 2012

There are so many fallacies about insurance that pervade the market. In an attempt to dispel these myths and educate consumers, has launched a myth of the week program. Each week, a new myth will be featured and exposed on, covering many types of insurance including auto insurance, home insurance, travel insurance, life insurance and motorcycle insurance.

“ was developed to shed light on some of the most common myths because informing consumers to help them save on insurance is our primary objective” says Tammy Ezer of “Myth-related content tends to perform well and there are a surprising number of insurance myths out there so we decided to launch a program exclusively focused on this type of content.”

The videos begin with ‘man-on-the-street’ interviews to establish consumer perceptions regarding the myth in question. They proceed to reveal the truth behind the myth as viewers discover the accuracy, or lack thereof, of consumer opinions by learning something specific about the topic being investigated.

For the month of January, the following myths have been/will be investigated and revealed.

Accident Forgiveness – Consumers learn the truth behind accident forgiveness and what it actually covers.

Young Drivers – Do young drivers always pay more for car insurance? Find out on

OHIP Coverage – Many travelers may think that everything is covered through OHIP while travelling outside of the province or the country. Watch the video to find out if this is true.

Weather-Related Car Accidents – This topic is very relevant, as the winter weather is here. Find out if drivers can blame car accidents on snowy weather or icy road conditions.

Home Insurance Coverage – Does home insurance cover ‘acts of God’ such as tornadoes and hail storms? It’s important to know what a home insurance policy actually covers.

Knowing the true facts behind insurance is very important; as any false insurance information can cost people money. Everyone needs to stay informed about insurance and understand what is covered on an insurance policy. Simply visit each week to dispel a new insurance myth.

About: is a free online insurance rate comparison service that directs consumers to its large network of more than 30 insurance companies and licensed insurance professionals and provides quotes based on the lowest rates available through its network. In business since 1994, does not sell insurance, is not a licensed broker, and is not owned in whole or in part by an insurance company, agent or brokerage; ensuring consumers get a truly unbiased quote.


Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Insure Your Homes With Cheap Home Insurance Cover

Article by Henry Bell

You home is perhaps the most important financial investment that you will ever make. Therefore it is quite understandable that such an investment needs care. Apart from that, it is our duty to make sure that our homes are secured against any mishaps. For this reason, home owners should consider purchasing home insurance policy with a suitable cover.

For many people, paying for home insurance means a mere wastage of money. This is because of the amount of money that one has to pay as premium. But with the coming up of many insurance companies in the market, the rate of premium of home insurances have also come down to a great extent. So you can definitely avail a cheap home insurance cover if you search the market properly and thoroughly.

Although everyone takes proper care of their homes, but sometimes such circumstances occur that are beyond our control. These circumstances can cause a severe damage to our homes and its building structure. Again there may be the probability of thefts in your household. Can you really afford thousands and thousands of pounds more to repair your building structure or to replace the stolen items? A proper yet cheap home insurance cover can give assist you in this situation.

There are four basic types of cheap home insurance cover:

*Building structure: This will cover the damage done to your building structure including the sheds, garages, fences of the house.

*Contents of the house: This cheap home insurance cover will pay for the cost of replacement of the contents of the house if they get stolen or damaged.

*Public Liability: This will cover up the cost if anyone who is not a member of your house gets injured in the premise of your house.

*Living cost: If for any reason you have to leave your house and live outside, your home insurance cover will pay for the cost of living.

But before the purchase of any home insurance cover; you should carefully do your homework. The first thing that you need to do is to look out for potential home insurance providers. Decide properly which company will provide you the best home insurance cover. Online method of locating and buying home insurance covers has made the work of the people easier and comfortable. So without any delay go get your cheap home insurance cover now!

About the Author

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. endeavors to find the best possible deals for its customers. To find cheap home insurance cover, break down cover, mobile phone insurance, motorcycle insurance, medical insurance visit

Despite having moved into his “dream house” only in September, Sachin Tendulkar has already secured his five-story Bandra residence with a staggering Rs. 100 crore insurance cover, one of the biggest insurance deals by an individual. The cricket icon has bought the insurance from a consortium of general insurers, according to industry sources.

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