Third Big Investment
Needs Insurance Too
It used to be most people
made two big purchases in their lives, a home and car. But today,
there's a third-the personal computer.
While most people wouldn't
think twice about leaving their cars or homes unprotected against
theft and damage, far fewer have given thought to protecting
laptops, PCs and expensive computer equipment like scanners and
printers.
According to the Insurance
Information Institute, coverage for computers and accessories
can vary. So, it's important to call our agency for guidance.
In general, if you have
a homeowners or renters policy, your personal computer would
be covered against fire or theft. But sometimes there is a dollar
limit on electronic equipment.
Getting a replacement cost
rather than an actual value for personal belongings, especially
computers, may be a wise idea. If you've purchased more than
one computer you probably know that like a car, there's little
value left once you open the package. It's yesterday's technology
before the trash man picks up the packaging. While replacement
cost can make your policy more expensive, the difference in your
computer's value and replacement value may make it well worth
it.
If you use your laptop away
from home, find out from our agency how much coverage you have
for possessions away from home.
Some companies offer specific
insurance policies covering computers. Call our agency to find
out more.
Ask Us About
· Getting coverage for replacement costs.
· Insuring your laptop
· What your existing policies cover.
