Considering the costs of some laptops, tablets, and desktops, it’s important to ensure your home insurance covers your computer. While most homeowners’ policies do to some extent, but that extent can vary. Here’s what you should know about home insurance and computer coverage.
Computer Coverage Under Home Insurance
Most home insurance policies include coverage for personal property, which typically encompasses electronics like computers. If your computer is damaged or lost due to a covered peril, such as theft, fire, or storm damage, you can file a claim for its value.
However, the payout of your claim will be subject to several details, including your policy’s limits and where the incident occurred.
Limits on Electronics Coverage
Many home insurance policies have specific limits for electronics. These are lower than the total personal property coverage limit and sometimes can be lower than a computer’s value. If you have multiple devices damaged or stolen, you may not be reimbursed for their total value. You also might not be reimbursed fully for a high-end computer’s value if it’s worth thousands of dollars.
At Capalbo Insurance Group LLC, we can help you check your home insurance policy’s electronics limits. We can also help you add a rider for additional coverage or find a new policy if you need more protection. Our agents have worked with many South Kingstown, RI homeowners.
Off-Premises Coverage
Whether your computer is covered when not at home also depends on your policy’s specifics. Some policies offer restricted protection that only applies when personal property is at your South Kingstown, RI residence. Other policies have "worldwide coverage" that extends to most places.
To check whether you have "worldwide coverage" for your computer, let us at Capalbo Insurance Group LLC help review your home insurance policy. We’ll make sure your computer and your other possessions are protected.
