{"id":9704,"date":"2021-03-10T17:11:50","date_gmt":"2021-03-10T16:11:50","guid":{"rendered":"https:\/\/www.lemonade.com\/de\/blog\/?p=9704"},"modified":"2023-02-14T13:22:54","modified_gmt":"2023-02-14T12:22:54","slug":"camera-insurance","status":"publish","type":"post","link":"https:\/\/www.lemonade.com\/de\/blog\/camera-insurance\/","title":{"rendered":"Is Camera Insurance Worth It in Germany?"},"content":{"rendered":"\n

Imagine the following scenario: You’ve finally leaned into your approaching middle age and along the way, you\u2019ve discovered your love for hiking (it\u2019s just walking, but in nature!). You\u2019ve set off on a hike in picturesque Saxon Switzerland, camera in hand. You snap some shots of the Bastei<\/em>, an impressive rock formation that has been known to trigger extreme FOMO when it comes up in your Instagram feed. Now it\u2019s your turn to experience it. Click. <\/em><\/p>\n\n\n\n

During lunch, you look forward to going through all the shots on your DSLR camera. As you set down your sandwich and reach for the camera, it\u2019s… not there. It\u2019s in that moment that you realize someone must have snatched it while you weren’t paying attention. Oh no. <\/em><\/p>\n\n\n\n

It’s bad enough that all of your photos are lost, but the cost of replacing your Canon  will definitely put all of your future hiking trips on hold. <\/p>\n\n\n\n

But there are ways to avoid paying out of pocket for your stolen camera. Find out about the different options below.<\/p>\n\n\n\n

Here’s a little preview of the topics we’ll be covering: <\/p>\n\n\n\n

1. Is damage to your camera covered by contents insurance? <\/a><\/p>\n\n\n\n

2. What does the distributor\u2019s warranty & the  manufacturer’s warranty cover? <\/a><\/p>\n\n\n\n

3. So, what does camera insurance cover?<\/a><\/p>\n\n\n\n

4. Is it worth it to get camera insurance?<\/a><\/p>\n\n\n\n

5. Three photography influencers you should follow right now<\/a><\/p>\n\n\n\n

Is damage to your camera covered by contents insurance?<\/h3>\n\n\n\n

Do you already have home contents insurance<\/a>? If so, you\u2019re one of the over 50 million Germans whose stuff is covered. Good for you! Since your camera is considered one of your belongings, it also falls under this coverage. <\/p>\n\n\n\n

In case you need a refresher, your insurance usually covers damage caused by the following: <\/strong><\/p>\n\n\n\n

Fire, smoke and explosion<\/td>Windstorms and hail<\/td>Water damage (by burst pipes or appliance leaks)<\/td><\/tr>
Vandalism<\/td>Robbery<\/td>Burglary<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

What does contents insurance not cover?<\/strong><\/p>\n\n\n\n

If you cause damage to your own belongings, it isn\u2019t covered by contents insurance. This is called \u201cfirst-party loss\u201d. So, if you accidentally spill your latte on your camera, or drop it in a canyon when you try to capture that perfect shot – it\u2019s not covered. <\/p>\n\n\n\n

Also, if you use your camera for business-related purposes, then damage probably isn\u2019t covered by your insurance either. <\/p>\n\n\n\n

How much is the refund? <\/strong><\/p>\n\n\n\n

Home contents insurance is a so-called replacement value insurance<\/em>. That means, in the event of an accepted claim, you would be reimbursed for the replacement value, which is the amount the same camera would cost in the store if you were to buy it again today.<\/p>\n\n\n\n

What if something happens to my camera when I\u2019m away from home?<\/strong><\/p>\n\n\n\n

Another big advantage of house contents insurance is off-premises coverage<\/strong>.<\/p>\n\n\n\n

Off-premises coverage is part of your home contents policy, and it covers your stuff if it\u2019s stolen or damaged outside of your home. For example, if someone snatches your camera from your locked hotel room, you\u2019d be covered. <\/p>\n\n\n\n

Worth noting: Off-premises coverage is usually limited to 10% of the total amount insured. So if you have 30,000 euro of coverage, the external insurance will only cover up to 3,000 euros.<\/p>\n\n\n\n

What happens if someone steals your high-quality camera from inside your car? <\/p>\n\n\n\n

In most cases, electrical equipment, including cameras, aren\u2019t included in car burglary coverage. However, it\u2019s important to read the fine print of your insurance policy to really understand your coverage. <\/p>\n\n\n\n

The Lemonade Anti-Theft Package <\/strong><\/p>\n\n\n\n

If you buy a Lemonade contents policy, you can easily add the Anti-Theft Package for a few additional euros a month. With this add-on, your belongings, including your camera, are protected against theft from anywhere in the world. If your claim gets approved, you\u2019ll get reimbursed for up to the amount insured.<\/p>\n\n\n\n

It makes no difference to Lemonade what type or how old your camera is when you apply for coverage. Your stuff is covered from theft from the moment you buy the package, and your stuff will even be covered for up to three months during international travel. BTW, with Lemonade you can choose a deductible from 0 to 300 euros. <\/p>\n\n\n\n

\"Camera<\/figure>\n\n\n\n

Apart from household insurance (with or without the Anti-Theft Package) \u2013 it’s worth checking if the camera company or distributors might cover damage to your favorite camera. More on this topic below…<\/p>\n\n\n\n

What does the distributor\u2019s warranty &  manufacturer’s warranty cover? <\/h3>\n\n\n\n

Here\u2019s the good news:  Because your digital camera is considered an electronic, it comes with a distributor\u2019s warranty<\/strong> of 24 months. But what exactly does that mean? <\/p>\n\n\n\n

A distributor\u2019s warranty generally covers production, material, and design defects.  But this warranty only applies if your camera was defective from the start. If you bought a defective item, the refund falls under the responsibility of the seller or distributor, like Media Markt or Amazon. You can contact the store and request a repair, or if it\u2019s completely defective, you can request a new device entirely. <\/p>\n\n\n\n

Pretty straightforward, right? <\/p>\n\n\n\n

If it\u2019s been less than six months since you bought the camera, you shouldn\u2019t run into any problems with the distributor. After six months, however, you will be required to demonstrate that the camera was defective from the start, which could be tough to prove.  <\/p>\n\n\n\n

What about the manufacturer’s warranty?<\/strong><\/p>\n\n\n\n

You usually get a manufacturer\u2019s warranty on an item for either one or two years  \u2013 but the specific terms of the warranty are unique to the manufacturer.<\/p>\n\n\n\n

 If something happens to your camera within the first one or two years after purchase (including any damage you may have caused yourself), you can contact the manufacturer. Rechargeable batteries are usually excluded from this warranty. <\/p>\n\n\n\n

That brings up to the question you\u2019ve all been waiting for: <\/p>\n\n\n\n

So, what does camera insurance cover?<\/strong><\/h3>\n\n\n\n

Here\u2019s what\u2019s covered by camera insurance: Your camera, portable video equipment (digicam and camcorder), and photography equipment, such as lenses, shutters, and tripods.<\/p>\n\n\n\n

In addition to your personal cameras, coverage often includes cameras and photographic equipment used purely for business purposes. <\/p>\n\n\n\n

What type of damage is covered?<\/strong><\/p>\n\n\n\n

Usually, camera insurance covers your camera for the following:<\/p>\n\n\n\n