| |
You are here: Experts > Arts/Humanities > Visual Arts > Digital Photography > Digital camera insurance
Expert: Sara Bella
Date: 1/26/2008
Subject: Digital camera insurance
Question
After a lot of research I have finally decided to purchase my first SLR camera (Nikon D80). I have narrowed down the companies from which I can purchase, and I am struggling with whether or not I should buy an extended warranty. My gut says it would be nice to have the extra safety net, although I have read many online complaints about extended warranties not being honored, even by some of the big companies. My main question is do you think the extended warranty is worth the investment? I can purchase the camera for as little as $999 with no warranty (online company). $1380 with a warranty that only covers defects (Best Buy). $1511 with a warranty that covers defects along with user damage e.g. dropped camera, water damage, etc(Circuit City), and finally $1787 with full warranty for defects, wear and tear, user damage, along with 20 photography classes. Obviously the price spread is quite large, and I'm not sure what to do.
Answer
Hi Monica,
This is definitely a personal call, but I can give you my opinion and some things to think about. Extended warranties are great to have if something goes wrong. Think about how you will use the camera. Will you be in dangerous situations? Are you extra careful with your equipment? Personally, I am quite klutzy, so I purchased one of these extended warranties and never used it. It's a lot of money to spend, but if something does happen...it is good to have that safety net. Nikon cameras should automatically come with a 1-Year Nikon U.S.A. Limited Warranty on manufacturer defects. You should look into this. If you decide to go with the $1787 deal, you should look into the 20 classes they will offer to see if you are even interested in paying $270 for them. Is the subject matter interesting to you? Are the classes offered at times that are convenient for you?
I suggest that you consider how you will use the camera, weigh the risks and consider if the safety net is worth an extra $500.
It's a really hard call to make. If you buy a warranty and never need it, you will regret spending the money. If you don't buy the warranty and need it, you will regret not having it. Are you a risk-taker??
Hope this helps. Good luck.
Add to this Answer
Ask a Question
|
|
