Camera Insurance

What does camera insurance cover?

We cover personal cameras, video cameras and their associated equipment, gear and accessories. Here are some examples.

Digital single-lens reflex, or DSLR, cameras
Point-and-shoot cameras
Video cameras

Lenses and lens filters
Stabilizers
External flashes

Camera bags
Tripods
Batteries and chargers

Claims covered by camera insurance

Drops and Breaks

You drop your favorite camera, and the lens cracks.
Lost Items

You go through your camera bag and realize your DSLR stabilizer is missing.
Theft

Your new video camera disappears at a friend's wedding reception.

Tourist walks through town carrying camera

Are my camera and equipment covered when I travel?

They are if you're taking them with you for personal use. If you're traveling for your full-time or side photography gig, you'll want to protect your camera and gear with small business insurance.

A person pulls a lens out of a camera bag.

How much does camera insurance cost?

It depends on your items, their value and how much coverage you get. Our rates start as low as $24 per year.^{See note1} Plus, we offer discounts on auto and either homeowners or renters insurance when members bundle their policies with camera insurance.^{See note2}

A person holds a camera and types on a laptop.

Is a camera policy worth it?

You can rest easier knowing you have protection if something goes wrong. Plus, you'll have coverage benefits you won't get with homeowners insurance.

You'll never pay a deductible.
Your things are covered at today's replacement cost.^{See note3}
If you report a VPP claim, you won't pay a higher premium the way you might with homeowners insurance.

Get a quote for camera insurance

Camera insurance FAQ

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Can I get insurance for a drone that has a camera?

Not on a VPP policy. Your homeowners or renters insurance can protect the drone from losses that the policy covers. For example, if someone sues you for damages you caused while using your personal drone, those policies may offer protection.

Your home and renters policies usually don't cover damage from crashes and other accidents, but you can add a USAA Technology Endorsement.^{See note4} It helps cover personal drones under 10 pounds for common accidents like drops, spills and crashes.

If you own a drone for commercial use, the USAA Insurance Agency has an alliance with Falcon. They have coverage to help protect your commercial drone.

What kind of description do I need to provide for my camera?

We'll need the following details for your camera and any equipment you have.

Type of item like whether it's a camera, lens, flash or other item
Manufacturer's name
Model name or number
Serial number if you have it
Detachable lens info with purchase date within the past five years
If you inherited or owned the item for more than five years and it's still made, we'll need the:
Date and amount of retail or manufacturer's value.
Name of retailer or manufacturer.
If you inherited or owned the item for more than five years and it's no longer made, we'll need an appraisal with the date.

How does the claims process work?

How does replacement cost work?

IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Note 1 Annual policy providing $2,500 on scheduled jewelry as of October 2023. Rates may vary due to location.

Note 2 Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply.

Note 3 With replacement cost coverage, at our option, subject to policy limits and policy deductible, if you actually replace the property we will pay you the lesser of our cost to restore, repair or replace the damaged property or the amount you actually spent to restore, repair or replace the property. Coverage applies to damage or loss due to events listed in your policy.

Note 4 All coverages may not be available in all locations.

Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.

USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

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Camera Insurance

Help protect what captures lasting memories.

What's camera insurance?

How it works

What does camera insurance cover?

Do you make money taking photos?

Claims covered by camera insurance

Drops and Breaks

Lost Items

Theft

Are my camera and equipment covered when I travel?

How much does camera insurance cost?

Is a camera policy worth it?

What else can VPP cover?

Camera insurance FAQ

Your cameras and equipment are worth protecting.