Ilv4play wrote:
The good news is your home owners or renters insurance from the states should cover most of the loss. The thieves in Costa Rica have gotten much worse since covid and they really are around all the corners now. I have easily had over 30k stolen in the last 5-6 years in 4 separate incidents, I hate to think what will happen to the one that I catch in the act.
Yes homeowners would cover. However, with a replacement value of about $6,500 and a deductible of $2,500 that leaves $4,000 I could claim for. Filing a claim would unquestionably result in premium increase which, over time, would more than offset my benefit. I've already replaced my gear and will seek out a rider policy that is specific to my photo gear and not connected to my homeowners. FYI, average premium increases in CA. for homeowners for 2024 is near 30%. It's out of control.