When purchasing a Roselle home insurance policy, many people are unaware that it may be insufficient for covering their computers. The typical homeowner policy covers a set dollar amount of the personal possessions. If you should happen to have a fire and all of your possessions are destroyed, then the insurance policy will pay up to that specified dollar amount. Consequently, if your loss exceeds the amount of the policy, you are limited to that set amount. This is why a proper inventory of valuation of your property is so necessary when purchasing your homeowner policy.
The challenge comes from the fact that there are certain computer specific mishaps that may not be covered under your homeowner policy. The main issue is that computers are often seen as nothing more than an object in and of itself, and it does not take into account data and software. Thus, if you have important information on your computer, it might be wise to get additional coverage just for your computer. While this applies to any computer, laptops are most in need of a separate policy. If you have more than one computer then you need to be sure that you have coverage for all of your computers and computer related equipment.
An insurance policy that covers your computer has different provisions and rules for filing a claim. Because of this it's best to discuss these with your insurance agent so that you get the policy coverage that fits your individual circumstances. People who travel a great deal with a notebook computer or iPad are most at risk for both theft and damage and want to be certain to mention it to their insurance agent.
Typically, a computer policy will cover theft, damage during moving or from being dropped, something being spilled into it and data lost to cyber crime. The separate policy will also cover the basics such as fire, flood and other criteria that are found under a typical homeowner policy. This makes it possible for your computer to have the coverage you need in addition to your regular homeowner policy. Depending on the policy, there is no deductible for repairs or replacement as long as the damage is covered under the policy.
A computer specific policy is usually not expensive and the peace of mind if well worth the few dollars that it adds to your policy. In most cases it can be bundled with your homeowner policy for additional discounts. Call Prime Insurance Agency at 630-442-0282 for more information about insuring your computer equipment.