What is home contents insurance for?
is it just if your belongings get stolen? On my policy it say that laptops are covered, but is ot of tehy are stolen? I broke it and i wonder if i shoul have taken accidental smash up cover.
Answers:
The main part of the policy rebuild your house if it burns down. Then the contents pays for your "stuff" if it was lost in the fire. It might cost extra to cover for embezzlement but it is possible..
Contents coverage protects your belongings in the event of a covered loss. You'd enjoy to contact your specific company (and probably put in a claim to get a final decision) to know for sure if you hold coverage. Typically, a homeowners policy would not cover accidental damage you cause yourself (ie, dropping your laptop), but only the perils scheduled on the homeowners insurance policy. Basic perils insured against include:
Fire or lightening,
Windstorm or hail,
Explosion,
Smoke,
Aircraft or vehicle,
theft,
falling objects,
discharge or freezing of plumbing,
power surges.
Not all policies cover those things, but most do and some hold even more perils that are covered.
Typcially, you'd have to hold a personal inland marine or personal articles policy from an insurance company to cover damage you did youself by luck...or else you would need the second warranty that you can purchase from the store you bought the laptop at.
Check with your agent, they would know or else they could put surrounded by a claim so that you could find out for sure. Source(s): Agent
No it's not just if thing are stolen, as you conspicuously have worked out you can get unpremeditated damage cover as well. You can also extend this so it covers items whilst not surrounded by your house (such as laptops cameras etc). If you had had chance damage cover of that type and you dropped the laptop, or spilt coffee on it it would probably be covered (there's an excess of course) for repair or replacement, but beware they don't always pay envelope out new for old, you might merely get what your Laptop was worth when you broke it, not what a brand untried one would cost.
Obviously you pay a lot more for that munificent of cover, but if you're in the UK nearly all insurers volunteer it as an option. It's a personal decision, I've have accidental damage cover for years and never claimed, but I similar to knowing it's there.
Turn your house upside down and everything that falls out is contents - I remember reading it on an insurance website.
If you have broken it, then that's where on earth the accidental damage cover - extra comes surrounded by.
You enjoy to check your policy, but my understanding is that it's for fire, flood, theft, etc.--not for things that break.
home contents insurance is the material goods inside your home approaching, televison, dvd players, computer etc. since you damaged your laptop it will not be covered in your home contents insurance.
Accident damage is usually covered but not for
glass item such as cup Coffee tables,as i have learn
to my disgust,also if items are stolen you will have too
have a police crime number to claim plus have receipts
for stolen items.
Related Questions:
Answers:
The main part of the policy rebuild your house if it burns down. Then the contents pays for your "stuff" if it was lost in the fire. It might cost extra to cover for embezzlement but it is possible..
Contents coverage protects your belongings in the event of a covered loss. You'd enjoy to contact your specific company (and probably put in a claim to get a final decision) to know for sure if you hold coverage. Typically, a homeowners policy would not cover accidental damage you cause yourself (ie, dropping your laptop), but only the perils scheduled on the homeowners insurance policy. Basic perils insured against include:
Fire or lightening,
Windstorm or hail,
Explosion,
Smoke,
Aircraft or vehicle,
theft,
falling objects,
discharge or freezing of plumbing,
power surges.
Not all policies cover those things, but most do and some hold even more perils that are covered.
Typcially, you'd have to hold a personal inland marine or personal articles policy from an insurance company to cover damage you did youself by luck...or else you would need the second warranty that you can purchase from the store you bought the laptop at.
Check with your agent, they would know or else they could put surrounded by a claim so that you could find out for sure. Source(s): Agent
No it's not just if thing are stolen, as you conspicuously have worked out you can get unpremeditated damage cover as well. You can also extend this so it covers items whilst not surrounded by your house (such as laptops cameras etc). If you had had chance damage cover of that type and you dropped the laptop, or spilt coffee on it it would probably be covered (there's an excess of course) for repair or replacement, but beware they don't always pay envelope out new for old, you might merely get what your Laptop was worth when you broke it, not what a brand untried one would cost.
Obviously you pay a lot more for that munificent of cover, but if you're in the UK nearly all insurers volunteer it as an option. It's a personal decision, I've have accidental damage cover for years and never claimed, but I similar to knowing it's there.
Turn your house upside down and everything that falls out is contents - I remember reading it on an insurance website.
If you have broken it, then that's where on earth the accidental damage cover - extra comes surrounded by.
You enjoy to check your policy, but my understanding is that it's for fire, flood, theft, etc.--not for things that break.
home contents insurance is the material goods inside your home approaching, televison, dvd players, computer etc. since you damaged your laptop it will not be covered in your home contents insurance.
Accident damage is usually covered but not for
glass item such as cup Coffee tables,as i have learn
to my disgust,also if items are stolen you will have too
have a police crime number to claim plus have receipts
for stolen items.
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