Computer Insurance: Make Sure You are Covered
About everyone, today, owns a computer. In fact, statistics show that, on average, people living in the U.S. have at least one PC in their home. Of course, there are also a great majority of people who can also claim to own tablet PCs and palms along with desktops and laptops. Needless to say, computer insurance is, for most people, a necessity.
Of course, you’ll need to review your insurance policies to see if you are sufficiently protected. Generally, homeowner’s insurance has set limits regarding coverage. For example, if you include your laptop with other items you use for business, whether at work or in a home-based business, limits are generally set at around $2,500. However, the mandated coverage also factors in other items that you use for business besides your computer, such as office furniture, file cabinets, printer, and fax.
Plus, you also have to determine what specifically is protected. Usually homeowner’s policies do not cover your laptop or desktop, for example, for a power surge. Therefore, whether you have one or several PCs or laptops, opting for computer insurance is a good idea. This specialized insurance protection can cover your computer for a number of causes, including:
• Theft
• Accidental damage
• Falls
• Drops
• Fire
• Flood
• Vandalism
• Power Surges
• Cracked monitors or computer screens
• Liquid spills or immersions
•
Besides the insurance coverage, make sure you are playing it safe by making it a practice to regularly back up your data, preferably to a remote location. After all, if you keep the information you back up in your house and your home is destroyed by a windstorm, you’ve defeated the purpose of saving the data in the first place.
Also, use a surge protector for your computer hardware and peripherals. You might also think about buying a surge protector that provides a plug-in for your phone line as well as surges aren’t just restricted to electrical lines. They also affect phone lines too.
Most computer policies will cover your desktop, laptop, tablet PC, and peripherals. Policies are also designed to provide cell phone coverage as well. People rely on their computers, so customized coverage is a good idea.
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