Jane Dotson
B&H offers extended warranties and protection plans for camera gear and other equipment. While some people find these plans worthwhile, others consider them unnecessary and a waste of money. The decision to purchase B&H insurance depends on various factors, including the length of the manufacturer's warranty, the specific coverage offered, and individual preferences. It's recommended to carefully review the terms and consider alternative options, such as adding equipment to an existing home insurance policy.
| Characteristics | Values |
|---|---|
| Cost | The cost of B&H insurance is not explicitly mentioned, but it is implied that it could be expensive. One user mentions that they would have spent thousands on extended warranties for camera and lens equipment. |
| Coverage | B&H insurance covers repairs and replacements for items that are damaged or faulty. It is not clear if there are specific exclusions, but one user mentions that their camera was repaired under B&H insurance, including sensor cleaning and possibly a board replacement. |
| Convenience | B&H insurance offers convenience by providing repairs or replacements for damaged or faulty items, saving customers the hassle of finding alternative solutions. |
| Claims Process | The claims process for B&H insurance appears to be straightforward, with many claims being approved instantly. However, a specialist may guide customers through the next steps if needed. |
| Customer Service | B&H insurance provides certified technicians to assist with repairs and technical support. |
| Refund Policy | B&H insurance offers refunds for protection plans if the item is not repaired within the specified timeframe. |
| Registration | Registration is not required for the plan to be active, but it is recommended to register and save the receipt to expedite the claims process. |
| Timeframe | B&H insurance allows customers to purchase protection within 30 days from the date of purchase of the item. After the first 30 days, customers can cancel the plan for a prorated refund. |
| Alternatives | Some customers suggest that instead of purchasing B&H insurance, individuals can rely on their homeowner's or renter's insurance policies, which may already cover their camera gear. Others mention that certain credit cards may double the manufacturer's warranty, providing additional protection at no extra cost. |
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What You'll Learn
B&H insurance vs. home insurance
B&H Insurance is an independent insurance agency offering a comprehensive suite of insurance solutions to protect your business and your life from the unexpected. They provide insurance for businesses and individuals. On the other hand, home insurance is a type of property insurance that covers private homes. It is a package policy that combines various personal insurance protections, including losses occurring to one's home and its contents.
B&H Insurance provides a range of insurance solutions, whereas home insurance typically covers a specific property and its contents. B&H Insurance may offer more flexibility in terms of coverage options, allowing customers to protect their businesses and personal lives. In contrast, home insurance is specifically designed to safeguard your home and belongings.
Home insurance policies typically cover damage or loss of property, including photo equipment up to a certain limit, as mentioned in some forums. However, if you are a professional photographer selling your photos, you may need separate insurance. B&H Insurance could be a good option for photographers seeking equipment coverage, as they offer specific plans for cameras and other expensive gear.
B&H Insurance, in partnership with Allstate, offers a protection plan for cameras and other equipment. This plan covers various types of damage for a low price over several years. However, as with many protection plans, there are limitations, and a list of exclusions may apply. It is always advisable to carefully review the terms and conditions before purchasing any insurance policy.
In conclusion, B&H Insurance and home insurance serve different purposes. B&H Insurance provides a range of business and personal insurance solutions, while home insurance specifically covers private homes and their contents. B&H's camera insurance could be a valuable option for photographers, especially if their home insurance does not adequately cover their equipment. However, it is essential to weigh the benefits of any additional insurance policies against the costs and decide if the added protection aligns with your specific needs and risks.
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B&H insurance vs. credit card coverage
B&H Insurance is an independent insurance agency offering a comprehensive suite of insurance solutions to protect your business and your life from the unexpected. While B&H insurance seems to be reputable, it is important to consider the differences between their protection plans and credit card coverage.
B&H protection plans can be purchased for specific equipment, such as camera gear, and may offer extended warranties or additional coverage for damage, loss, or theft. Some users have expressed concerns about the usefulness of these plans, as they often only extend the manufacturer's warranty by a year or two without adding any significant protection. Additionally, the list of exclusions may be longer than the list of covered items.
On the other hand, many credit cards automatically double the manufacturer's warranty on items purchased, providing an extended warranty without any additional cost. This can be a valuable benefit, as it saves you from spending money on an extended warranty that you may never use. However, it is important to note that credit card warranty coverage may not always be as comprehensive as a dedicated extended warranty.
When deciding between B&H insurance and relying on credit card coverage, it is essential to carefully consider your specific needs and the details of both options. Review the terms and conditions of both the B&H protection plan and your credit card coverage to understand what is included and excluded in each case. Additionally, consider the cost of the protection plan versus the potential savings offered by credit card coverage.
Ultimately, the decision to choose B&H insurance or rely on credit card coverage depends on various factors, including the value of the equipment, the likelihood of damage or loss, and your personal risk tolerance. While B&H insurance may offer more comprehensive coverage, credit card coverage can be a cost-effective alternative, especially if your credit card provides an extended warranty benefit.
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B&H insurance for camera gear
B&H offers protection plans for camera gear, including the AllState insurance policy. This policy covers all types of damage for $110 over 3 years. However, some people believe that these protection plans are a waste of money and that household insurance will cover damage, loss, etc. of photo equipment, as long as you are not selling your photos. If you are a professional photographer, you will need specific insurance.
Some people have found B&H's protection plans useful, such as one user who used a Best Buy 4-year plan to replace their lens. However, others believe that the plans are a scam and that retailers are being investigated for high-pressure selling of protection plans at inflated prices. Some users have also noted that the list of things that are not covered by B&H's insurance policy is longer than the list of things that are covered.
One user has suggested that instead of buying B&H's protection plan, you should buy your own insurance that will cover all your possessions. Another user has suggested that you should research what the protection plan covers (e.g. drops, spills) and decide whether it is worth it.
Overall, whether you decide to buy B&H's protection plan or not is up to you, but you should carefully consider the cost and what is covered by the plan before making a decision.
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B&H insurance for international customers
B&H offers Allstate Protection Plans for its photo customers. This is a Square Trade protection plan, which is owned by Allstate. The plan covers repairs and replacements of items, although the list of items not covered is longer than the list of those that are. For example, a submerged camera is unlikely to be covered, even with drop and spill coverage.
B&H customers can register their Allstate Protection Plan, file a claim, or seek help with their plan. It is not necessary to register your plan for it to be active, but it is recommended to save time in the future. To file a claim, you will need your receipt and the covered item. Many claims are approved instantly, and certified technicians are on hand to help.
B&H also offers travel insurance through Berkshire Hathaway Travel Protection. This insurance covers travel mishaps such as lost luggage, trip cancellation or delay, sickness, medical emergencies, missing a flight, and bad weather. This insurance is designed for international customers, covering travel anywhere in the world. The reviews for this insurance are very positive, with customers praising the fast response times, excellent service, and quick and reliable claims process.
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B&H insurance: what's covered
B&H Insurance is an independent insurance agency that offers a comprehensive suite of insurance solutions to protect your business and life. The company is based in Newark, Delaware, in the United States.
B&H Insurance provides protection plans for expensive equipment, such as camera gear, which can be added to existing homeowner's or renter's insurance policies. These plans typically cover accidental damage, such as drops and spills, and theft or loss. However, it's important to carefully review the list of covered items, as it is often shorter than the list of exclusions.
For example, while B&H's Allstate insurance plan covers drops and spills, it only does so for 2-3 years. Additionally, a submerged camera may not be covered, even with this type of coverage. It's also worth noting that B&H's documentation states that they will cover 100% of repairs deemed acceptable but may opt to provide a product or gift card of lesser retail value for item replacement instead of repair.
Some photographers choose to add their camera gear to their existing homeowner's or renter's insurance policies, which can provide peace of mind in case of theft or damage. However, it's important to check with your insurance provider, as some policies may not cover accidental loss or damage outside the home.
Overall, B&H Insurance offers protection plans that can provide valuable coverage for expensive camera equipment. However, it's essential to carefully review the plan's specifics and exclusions to ensure it aligns with your needs.
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Frequently asked questions
B&H offers Allstate Protection Plans for camera equipment, which some users have found useful for repairs. However, it's recommended to carefully read the fine print, as the list of exclusions is often longer than the list of covered items. You may also already have coverage under your homeowner's policy or credit card warranty benefits, so it's worth checking those first before purchasing additional insurance.
B&H's Allstate Protection Plans cover repairs for your item and, in some cases, the cost of renting similar equipment or a refund if repairs are needed. They will cover 100% of repairs deemed acceptable, but they may choose to provide a product or gift card of lesser value if they decide to replace the item instead of repairing it.
To make a claim, you will need your receipt and the covered item. Many claims are approved instantly, but in some cases, a specialist will guide you through the next steps. You can also register your plan and save your receipt to save time if you need to file a claim in the future.
Yes, you can cancel your B&H insurance within the first 30 days for a full refund by bringing the receipt back to B&H or calling 800.894.9703. After the first 30 days, you can cancel for a pro-rated refund.
