Donald Keenan wrote:
> Is it common for both homeowners AND apartment insurance to cover
> mishaps other than fire or theft
> when it comes to replacing computers?
> How strict is the burden of proof? If someone spills beer, water, etc on
> a computer, this is considered a valid claim?
> This makes me think I should consider apartment insurance.
> Donald
> On Friday, November 22, 2002, at 03:48 PM, Bruce Mitchell wrote:
>
> > So submit a claim to your insurance company and see what happens.
>
Your policy will usually have an electronics and/or computer coverage
rider built in. Unfortunately, the $$ amt is usually VERY minimal ( about
$100 or so) You can and should get additional coverage by buying a separate
rider that is fairly inexpensive. You need to contact the agent and provide
the info..brand, type , value, etc also very important is that you have
replacement value coverage rather than the normal coverage provided. This
ensures that you should get the cost of a current equivalent ,or better, if
an original isn't available. This coverage is also minimally priced and is
well worth it. I speak from personal experience...
About 1 1/2 yrs ago, my home was vandalized late at night while I
was up
and working on my wife's ThinkPad 550...Heard noise outside, ran to the door
and dropped the 550... The display cracked and some stuff came loose
inside..submitted a claim to Nationwide, they got an estimate of over $1000
to repair it so they sent me a check for $985 (after deductible)which I
promptly used towards buying a Pismo on ebay.
Moral of the story...Make sure that you have an insurance
policy...as an
apt dweller, your personal possessions are NOT covered by the bldg. owner's
coverage..if there is a fire and your stuff is burned and you don't have
your own renter's policy, you are SOL. If you are a homeowner, the coverage
is there but minimal..this goes for cameras, coin collections, cash,
collectibles etc UNLESS declared and covered in advance.
Regards and HTH,
Mike K
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