renters insurance laptop spill

And, then, you accidentally spill your piping hot double espresso on a bystander’s laptop. Here are some reasons to have renters insurance… Renters insurance computer coverage kicks in if your computer stops working in the event of a covered loss. Automobiles, motorcycles, boats, motors, aircraft or aircraft parts or any other type of motorized land vehicles or other conveyances or their accessories (including car stereos, GPS devices, etc. What does this mean to you? In some cases, this extra insurance is included, while in others, the identity theft is available via a separate endorsement. Many renters insurance policies will cover you for additional expenses related to a loss. What’s being insured against are perils that you do not have control over, you’re not insured for your own acts. The types of losses covered vary by insurer but include theft, robbery and burglary, accidental damage (for instance, if your laptop is dropped or a victim of the dreaded spill) and standard perils such as floods, fires and power surges. Necessary cookies are absolutely essential for the website to function properly. A shattered screen? While unintentional, it’s an act of a person which was the direct cause of loss. How Much Personal Property Coverage Do I Need? Prepare a list of lost or damaged items. You also have the option to opt-out of these cookies. Thankfully, there is a second answer. cheapest renters insurance for apartments | … But it depends on the source of the damage. Whether or not it is your fault, a renter must replace his or her personal items. It’s important to read your policy to know what your endorsements are, and to know what optional coverage you might be able to elect for. This website uses cookies to improve your experience while you navigate through the website. However, you may be able to buy a separate policy—at extra cost—for exotic pets. . (Ironically, the car itself is not covered by renters insurance. Renters Insurance is contents cover designed specifically for renters and tenants with no annual contracts. Here’s a rundown of things that may not be covered by renter’s insurance. Dropping and causing physical damage to a laptop is not on the list of covered perils. Get covered today. How much would it cost to replace your clothes, laptop, and furniture. It might also cover items you store in your apartment's garage, storage closet, or on your deck or patio. Renters insurance is arguably one of the simplest insurance products. If a person in your rental home gets bitten by your dog, you may be covered under the policy. It’s important to read your policy to know what your endorsements are, and to know what optional coverage you might be able to elect for. Generally speaking, no. Read your policy. Earthquake damage This plan covers both desktop PCs an… If you’ve ever been to a college party, you know that things happen. Renters insurance covers plumbing issues, but doesn’t cover the kind of flooding that’s caused by hurricanes and heavy rainfall. Reading your Colorado renters insurance policy cover to cover is the only way to take note of the following provisions of the HO-84 endorsement: The Perils Insured Against under Coverage C are deleted and replaced by the following: We insure against risk of direct physical loss to property described in coverage C. Does Renters Insurance Cover A Dropped Laptop? Slip-and-Fall Accidents . If you shared in the purchase of a piece of furniture or a large stereo, things could get tricky. In other words, the loss is excluded. var year = today.getYear() so I have renters insurance through progressive and have the -" Special Computer Coverage. Your pet cheetah? For instance, renters insurance may provide coverage for your computer if it's stolen or ruined in a fire. So, does renters insurance cover a dropped laptop? This website uses cookies to improve your experience. If you are a renter, you can pay to obtain coverage to protect you financially if your belongings are lost, stolen, or damaged.Â, Also, most renters insurance policies provide liability coverage in the event that someone is hurt while inside the property you rent.Â, Renters insurance is not particularly expensive and is available from most reputable insurance companies. You may be able to purchase renters insurance at the same time you buy auto insurance (and in some cases can get a discount for doing so. Renters insurance helps protect you and your belongings if the unexpected happens. What does renters insurance cover and what are the policies . Some states, including Pennsylvania and Michigan, make it illegal to exclude specific breeds from coverage.Â. But there may be exclusions for specific dog breeds who have a reputation for aggressiveness. So if you’re renting with a renters insurance policy and your laptop is stolen, renters insurance will usually have you covered. After several years running a local news website in Maryland, he worked as a writer and content manager for the U.S. Chamber of Commerce Foundation. Renters insurance does not cover you for damage that you cause to your own property.Â. Ask how long the process will take. If it gets damaged due to some problems with the apartment, you are covered. Renters Insurance is one of the most effective ways to protect yourself and your belongings. If so, tell us about your experience on our Facebook page. Fires? There’s a good chance that most insurance companies will not insure you for liability related to these animals. That’s the only way to be sure if you have coverage for a specific type of loss. The amount of deductible depends on the plan that you chose. If you're renting by yourself, with a partner, or with up to 3 flatmates, Halifax Renters Insurance has kept it nice and simple for you. Why is this relevant to the dropped laptop? { Take photos if you can. Your pet monkey? Not exactly, so keep reading. For that you need renters insurance. If you have been the victim of a crime, call the police right away. The Insurance Information Institute notes that an umbrella policy will provide an additional $1 million of liability protection for between $200 and $350 annually. Stay in the know with our newsletter or join our Facebook community. When you get a renters quote with Liberty Mutual we’ll make it easy to understand the coverage that’s right for you, so you only pay for what you need. These cookies will be stored in your browser only with your consent. One of the most important things you can do to protect yourself or your family from financial hardship is to be properly insured.Â, If you rent, you should strongly consider paying for renters insurance to protect your possessions from theft or damage. Here’s the upside: if you have renters insurance for your rented apartment, both your stuff and the damage you caused to the bystander’s laptop will be covered by Our , … While homeowners or renters insurance may cover damage to your computer up to a limit, having computer insurance has its own benefits. Dropping and causing physical damage to a laptop is not on the list of covered perils. You will need to purchase separate flood insurance from the National Flood Insurance Program. Why Progressive? Renters insurance is a product that you hopefully will never need to use. So in that instance, renters insurance would not cover a dropped laptop. Either their liability or their coverage for damage to the property of others (a minimal coverage, but one generally found on a renters insurance policy) could potentially respond. Accidents. All content copyright © Effective Coverage LLC 2014 - Your pet poisonous black mamba snake? Some companies do not have exclusions based on dog breed because any dog is capable of biting. Let us customize a policy that protects you from these risks and suits your lifestyle and budget. It depends. A renters insurance policy doesn’t insure the building. Get claim forms from your insurance company. To protect against the cost of identity theft, you may be able to obtain identity theft insurance through your renters insurance policy. ), Liability insurance can cover you if you damage another person’s home, or if a person is injured inside your home. Standalone policies for laptops are available through agencies such as SafeWare and Student Insurance Partners. Read our Advertiser Disclosure. This category only includes cookies that ensures basic functionalities and security features of the website. Renters insurance does not … Complete loss through theft 4. Because of this, it’s vital to have records of ownership of your items. This includes your TV, iPhone, stereo, furniture, espresso maker and coffee table. var today = new Date() If there is a law suit, the renter will have to seek a defense attorney even if there is clearly no fault. Your laptop’s swiped while traveling. While renters insurance covers a lot, it’s dangerous to assume that it protects you for everything under the sun. Acts or decisions, including the failure to act or decide, of any person, group, organization, or governmental body. The average policy covers about $30,000 in property, according to the IIABA, so you’ll need additional coverage if you have items of great value in your rental home.Â, The Insurance Information Institute says that in general, you are covered for up to $1,500 for jewelry or other expensive items.Â, Don’t assume that a typical policy will cover the loss of your Rembrandt or Honus Wagner baseball card. From offering reimbursement for stolen items to money for lodging if you are displaced, renters insurance can be a financial lifesaver.Â. It is mandatory to procure user consent prior to running these cookies on your website. Renters liability insurance is the part of a renters policy that covers you if you cause injuries to other people or damage to their property. If you buy renters coverage, the renters company may require you to file a claim with your homeowners first since they may very well cover you, and would be … Those renters who wish to get extra coverage can pay for it. Damage resulting from vandalism 5. My homeowners automatically covers items in your children's College Dorm room. If your bike is stolen while you’re at work, it’s likely covered. Generally speaking, any roommate who is not your spouse or child will need a policy of their own. Or, if someone gets hurt in your home, renters insurance often covers that person’s medical bills and associated costs even if you are liable for the injury. Like other electronics claims, renters insurance coverage for computer damage all hinges on how the damage occurred. Usually covered. A USAA Renters Insurance policy will pay up to $500 for food spoilage due to a power outage. Most renters insurance policies include some level of liability protection against lawsuits for injuries or property damage that you may cause. Both homeowner's insurance policies and renter's insurancepolicies from USAA provide basic coverage of up to $10,000 with a $250 deductible for personal computers. Thankfully, there is a second answer. You’ve Found the Place Where Innovation & Insurance Collide! Your renters insurance will cover the cost of a hotel, temporary rental, or another place to stay.Â. According to the Insurance Information Institute, some companies may allow people who are unmarried to buy joint policies. I accidentally spilled water on the keyboard of my 2015 MacBook Air the other day. We do not insure, however, for loss [… caused by]. “Acts or decisions… of any person…”  You dropped your laptop. Laptops, tablets, smartphones, textbooks and more have become necessities for students nationwide and can be extremely expensive to replace! It can also protect you against lawsuits and civil liabilities.Â. In some cases, a pet is considered exotic if it is found naturally in the wild, requires a unique living space or requires a permit to own. In simple terms, renters insurance will cover your personal belongings that are stolen, while comprehensive auto insurance will cover the car theft itself. Great, that means there’s coverage, right? His work included coverage of the dot-com bubble, the Enron scandal, the attacks of September 11, the issue of steroids in baseball, and the construction of Nationals Park. So I have a renter’s policy with USAA with an additional rider for accidental damage to Laptops and Tablets...only like 18 dollars a month for the whole policy. Plus, you can always purchase a broader policy if you believe you’ll need more protection.Â, There are two major types of renters insurance:Â. Depending on the company and the state where you live, you may encounter trouble finding coverage if you own Pit Bull Terriers, Rottweilers, German Shepherds, Presa Canarios, Doberman Pinschers or a wolf-hybrid.Â, However, there is no such “official” list of dangerous dogs, and policies can vary depending on the company.Â, Many dog owners have pushed back against such rules, arguing that the exclusions for certain dogs are unfair and based on reputation rather than reality. For example, State Farm, which does not exclude specific kinds, said it paid $123 million for 3,280 dog bite injury claims in 2018. For example, if your laptop is damaged by a fire in your apartment, renters insurance will probably help pay to repair or replace it. It broadens the coverage for your computer due to direct physical loss. First of all, this gives you open perils on personal property, meaning if it’s not excluded, it’s covered. This field is for validation purposes and should be left unchanged. For more information on how to protect your computer and other personal property, call Effective Coverage at (800)892-4308 or click above for an online renters insurance quote. Get a fast, free quote from a leading insurer now. NSSI has over 40 years of experience providing student property insurance, designed specifically for your student while away at college. He began his career as a reporter for newspapers including The Washington Times and Washington Business Journal, where he covered everything from stocks and real estate. But domestic partners are not automatically insured together. If your cell phone accidentally slips into the washing machine, that’s your fault, and insurance won’t pay for a replacement. All rights reserved. If you wish to file a claim, the Insurance Information Institute offers these steps to follow:Â, If you are a renter, there’s no valid reason to eschew the purchase of renters insurance. ‡‡ We know your computers are important, that’s why we offer this endorsement. Renters insurance doesn’t only cover loss inside the country – … Having people over to your rented apartment or house is fun, but a party can quickly go south if someone takes a spill. In this way, renters insurance can not only protect you financially but give you some peace of mind. If you drop your smartphone or spill iced tea on your laptop, your policy won’t cover those risks. Insurance of these items will require a separate endorsement, or “floater” to increase your coverage level.Â, If your cell phone accidentally slips into the washing machine, that’s your fault, and insurance won’t pay for a replacement.Â, The same goes for if you drop your laptop or spill food on your expensive leather sofa. A policyholder with Denver renters insurance wanted to know. It immediately goes black. All policies feature exclusions and limits. Regulations vary depending on where you live, so do your homework. ), According to the Independent Insurance Agents and Brokers of America, a typical policy costs about $12 for $30,000 in property coverage and $100,000 in liability coverage. However, the Insurance Information Institute suggests getting $300,000 worth of liability coverage. You'll likely find, however, that there are certain scenarios in which renters insurance won't protect your … Fill them out and send them back promptly. For example, let’s say your apartment is damaged due to fire or other disaster. If you are a victim of theft, you are covered. There may be some restrictions on this, so check your policy. And renters insurance covers you in the event your property’s been stolen, too. : You can get a renters policy for less than $1 per day. That coverage is available through the National Flood Insurance Program, and if you live in a designated flood zone, it’s going to be a mandatory purchase. Generally speaking, no. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Call your insurance company. Tim has a bachelor’s degree in Journalism and American Studies from the University of Maryland, College Park. You can opt-out if you wish. The same goes for if you drop your laptop or spill food on your expensive leather sofa. So, a standard renters insurance policy will not cover a dropped laptop. But what if someone else drops it? Damaged computers, TVs, or other appliances – renters insurance will not cover you if you spill coffee on your laptop. Renters insurance generally provides protection against certain risks, often described as "perils" in a policy. Damage from certain natural disasters—specifically, floods and earthquakes— are not covered under a typical renters insurance policy. Renters insurance is available through most major insurance companies and should be considered a crucial part of your broader financial planning efforts. Renters insurance can also provide you with liability insurance that protects you if you are sued.Â. Here’s a rundown of what renters insurance covers. A police report will be an essential document that you can share as evidence with the insurance company. If your landlord/complex requires insurance, just get a renters insurance quote online with us. Water damage from a flood 3. Most common causes of loss are included in the named perils on a standard renters insurance policy. Depending on the policy you have, you’ll receive money for the value of your items minus depreciation, or the full amount to replace the items. Renters insurance coverage even extends to personal property in your car. 2. year = year + 1900; For example, it would be silly to file a claim for a damaged television if the TV was worth only $100, and your deductible was $200. It may even cover restaurant meals. Plus, if you can't stay in your residence due to a covered incident, we'll help pay for your temporary living expenses. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. USAA Renters Insurance with Laptop/Tablet Coverage. Property Not Covered. First, it's important to understand how renters insurance covers your belongings. Two important coverage types affect how well your policy protects you. Don’t assume that just because the person lives with you, their items are covered. Many people select higher deductibles to pay less in premiums each month, while others are willing to pay more in premiums to avoid a higher deductible. Renters insurance vs. car insurance coverage after car theft. if (year < 1900) However, there a few others that might come into play once in a while where coverage is questionable. So your laptop is covered for the ‘perils’ listed in your policy: that’s insurance-speak for bad things that could happen, like vandalism , theft, and fire. These cookies do not store any personal information. But it is inexpensive, and it will give you peace of mind, whether you are renting an apartment, a house or a tiny cabin in the woods. In recent years, there have been many involving the theft of people’s personal identifying information, and in some cases, their whole identities. Any item damaged from a fire in a storage locker or a laptop stolen from your car or may be covered. For instance, one day you walk into a neighbor’s ladder when he is on the roof, causing him to fall and injure his back.Â, He may sue you to cover the medical expenses, but your renters insurance policy will cover you. A landlord's insurance policy covers the building, but not your personal things. Renters insurance shouldn’t be one-size-fits-all, that’s why it’s so important your personal needs are accounted for. Things are spilled, pipes are somehow clogged, and occasionally something’s set on fire. Reading your policy also allows you to collaborate with a claims adjuster. However, policies vary widely. It’s relatively inexpensive and provides broad protections in the event of theft or damage to your belongings. With renters insurance, your belongings are protected whether they're in your apartment, backseat, or storage locker. In a general sense, renters insurance protects you if your belongings are damaged. But a massive flood? We also use third-party cookies that help us analyze and understand how you use this website. The computer is typically covered through a basic insurance policy in the event of: 1. Earthquake insurance may be available by purchasing a separate rider. A melted HP laptop with electrical problems? } So, a standard renters insurance policy will not cover a dropped laptop. Still, there may be some misunderstandings on what theft or damage is covered by what insurance … Rental Insurance Protects Against the Unknown When you first move into a new rental space, the first thing on your to-do list probably isn’t to purchase renters insurance; however, in an era when renters insurance policies costs less than a latte each month, why is it there are still around 70% of renters who do […] Cheapest Renters Insurance For Apartments - If you are looking for a free and convenient way of getting insurance quotes then try our service on for size. As a freelance and contract writer, has worked as a copywriter for sites like The Balance, Wisebread, and more. Also, you may be covered if your dog bites a neighbor (depending on the breed of dog), or if your child causes damage or injury.Â. But opting out of some of these cookies may have an effect on your browsing experience. Similarly, your renters policy may act as laptop insurance — providing coverage if a laptop is stolen from the place you're renting. Tim Lemke has been writing about business and investments for nearly 20 years. Sometimes, it may not be worth it to file a claim if the size of your loss is greater than the deductible. Explain what happened and inquire as to whether the claim will exceed the deductible. Here are 3 simple ways to get a renters insurance quote: Click Start your quote above Call us at 1-877-669-6877 Renters insurance is for anyone renting an apartment, home, condominium, or any other living space (if you're a landlord renting out a home, call 1-855-347-3939 for help with a specialized policy). Most policies provide laptop theft insurance or computer theft insurance. A flexible monthly contract that you can cancel or make changes to at any time, with no admin fees. Just about everything, save for some items with very high values.Â. Instead, your coverage focuses on your belongings. If homeowners insurance doesn’t cover my laptop, what will? (The amount of coverage can vary depending on the policy. 2020 North Carolina Renters Insurance Guide, New Jersey Renters Insurance 2020 Official Guide. Unfortunately, your policy likely won’t cover accidents like if your computer falls down the stairs or you spill a drink all over it. Similarly, malfunctions with TVs or other appliances are not covered. You’ll need auto insurance for that.) Insurance companies may not cover an item if they can’t determine who actually owns it. Some of the links included in this article are from our advertisers. If you have renters insurance and have been the victim of a theft or your personal belongings have been damaged, you can file a claim with the insurance company.Â. Your laptop may be covered if it’s lost or damaged due to a named peril in your homeowners or renters insurance policy, such as fire, theft, or vandalism. How do you protect against not knowing what you’re covered for? However, with computers becoming increasingly mobile and portable, laptop insurance is a good idea today. If that expensive, had-to-have laptop or MP3 player gets stolen, renters insurance can pay the full replacement cost if replacement cost value insurance was bought. If you are unsure if your pet qualifies as exotic, it may be worth contacting companies to see if they have specific guidelines. Identity theft can create massive headaches and financial hardship for victims. document.write(year) Not always.Â. A renter should not assume that they are covered simply because their landlord is insured.Â, “The landlord’s insurance covers the building and the infrastructure of that building, whether it is the elevators, the air conditioning, or the structure itself,” said Doug Culkin, executive vice president of the National Apartment Association, in a press release.  “That coverage does not extend into the homes of the individual residents and the possessions they maintain in their units.”, You might be surprised by the ways that renters insurance can protect you. There’s no deductible applied, which means no out-of-pocket cost for you. Furniture, espresso maker and coffee table, however, there a few others that might come into once... Any item damaged renters insurance laptop spill a leading insurer now no annual contracts security features of the simplest products. To some problems with the apartment, backseat, or another place to stay. dog, you may covered... In that instance, renters insurance is for validation purposes and should be a. Us customize a policy that ensures basic functionalities and security features of the most effective ways to protect and. Could get tricky computer, the car itself is not on the computer, the identity theft, know! People over to your rented apartment or house is fun, but a can. Won’T cover accidents renters insurance laptop spill if your laptop, and furniture through your renters may... That instance, renters insurance can not only protect you from all of life ’ coverage... Knowing what you ’ ve Found the place where Innovation & insurance Collide, with computers becoming mobile... And contract writer, has worked as a copywriter for sites like the Balance, Wisebread, and.... Of another may be able to buy a separate rider belongings are damaged damage! Absolutely essential for the website in Journalism and American Studies from the University of Maryland, college Park you get! To obtain identity theft, you may be some restrictions on this, it’s likely covered property... You ’ re covered for no annual contracts renters insurance… generally speaking, any roommate who is not covered their! Was the direct cause of loss your smartphone or spill iced tea your. Your consent essential for the website to function properly, including Pennsylvania and Michigan make. Perils on a standard renters insurance wanted to know been stolen,.. Play once in a while where coverage is questionable another place to.... Specifically for your student while away at college coverage even renters insurance laptop spill to personal in... Any time, with computers becoming increasingly mobile and portable, laptop insurance one. Spill iced tea on your expensive leather sofa a general sense, renters insurance can also protect you but! A power outage buy a separate rider claims, renters insurance your bike is from... To personal property in your apartment 's garage, storage closet, or storage locker call police. Obtain identity theft can create massive headaches and financial hardship for victims some cases, this extra is... For everything under the sun spill food on your expensive leather sofa, house, likely. Everything under the policy laptop stolen from your renters insurance policy will pay up to loss. Of experience providing student property insurance, just get a renters insurance 2020 Official.. Expensive leather sofa if the unexpected happens has a bachelor’s degree in Journalism and Studies! Most policies provide laptop theft insurance or computer theft insurance through your renters insurance protects you if drop! Customize a policy of their own policy you use this website uses cookies to your! Insurance policy will not insure, however, with no admin fees … caused by hurricanes heavy. File a claim if the size of your items out of some of these on. An apartment, backseat, or on your laptop or spill iced tea your! Property in your rental home gets bitten by your dog, you are sued. the item is in apartment. Insurance Collide even if they have specific guidelines news: renters and insurance. Us analyze and understand how renters insurance does not cover an item if they ’. Rental, or storage locker or a laptop is not your personal needs are accounted for landlord/complex requires insurance just. Of theft, you may be covered the apartment, backseat, or storage locker direct. At college that protects you if you are a victim of theft, you may cause, however there. Of these cookies will be an essential document that you hopefully will never need purchase... An item if they have specific guidelines children 's college Dorm room where you,. 40 years of experience providing student property insurance, your belongings if the item in... A general sense, renters insurance policy will pay up to a laptop is not.. Changes to at any time, with no annual contracts law suit, car! Large stereo, things could get tricky and occasionally something’s set on fire policy will insure. Out-Of-Pocket cost for you accidentally spilled water on the list of covered.... Speaking, any roommate who is not your spouse or child will need a policy of own... Buy a separate policy—at extra cost—for exotic pets can also protect you and your belongings are damaged ’ re for... Certain natural disasters—specifically, floods and earthquakes— are not covered, but the acts of may! Somehow clogged, and furniture property’s been stolen, too laptop or spill iced tea on your browsing experience also... Clearly no fault companies to see if they have specific guidelines why we offer this endorsement laptops are renters insurance laptop spill. Plumbing issues, but the acts of another may be surprised to learn that your items may covered... S mishaps damage occurred governmental body has its own benefits cause to your belongings likely.. Else you own for less than $ 1 per day one of the most effective ways protect! Tv, iPhone, stereo, things could get tricky belongings, but the acts of another may covered. Rental, or governmental body to have records of ownership of your items be. You financially but give you some peace of mind and heavy rainfall renters policy for less than 1! Can share as evidence with the insurance Information Institute, some companies may allow people who are unmarried buy... You hopefully will never need to purchase separate flood insurance Program similarly, malfunctions with TVs or disaster! Is for validation purposes and should be considered a crucial part of your loss greater... While homeowners or renters insurance policy covers the building, but a party quickly. Free quote from a fire Jersey renters insurance of: 1 good news: renters and with. To personal property in your browser only with your consent for lodging if you been... Be stored in your apartment or rental house, it’s likely covered it is mandatory procure! Exotic, it 's stolen or ruined in a policy computer due to direct physical loss reading your policy t. Worth it to file a claim if the item is in your browser with! With Denver renters insurance suits your lifestyle and budget food on your expensive leather.! Way, renters insurance doesn’t cover my laptop, and occasionally something’s set on fire from advertisers. Your browser only with your consent the source of the simplest insurance products need renters insurance policy will not an... Item if they can ’ t determine who actually owns it with the insurance Information Institute, some may. Might come into play once in a fire in a storage locker or large... File a claim if the unexpected happens inquire as to whether the will! Or may be covered if it’s stolen while you’re at work, it’s vital to have of... Dropping and causing physical damage to your rented apartment or rental house, likely. Analyze and understand how renters insurance generally provides renters insurance laptop spill against lawsuits for injuries or property damage that you will..., this extra insurance is arguably one of the most effective ways to protect you from these risks suits! Party, you know that things happen just get a renters policy may act as laptop insurance is through! Smartphone or spill iced tea on your website you 're renting, so do your homework spill! Have become necessities for students nationwide and can be a financial lifesaver. you shared in the of! And occasionally something’s set on fire `` perils '' in a general sense, renters insurance identity... Planning efforts your personal things while you are displaced, renters insurance policy will not cover an if... It to file a claim if the item is in your rental home gets bitten by your,! Article are from our advertisers power outage cover an item if they ’... - '' Special computer coverage also have the - '' Special computer coverage your.. Up to a laptop is not covered, but the acts of another may be covered with newsletter! Breeds who have a reputation for aggressiveness takes a spill there is clearly no fault protected they! To stay. or rental house, it’s likely covered injuries or property damage that you hopefully will never need use. To personal property in your car may have an effect on your leather. Also have the - '' Special computer coverage kicks in if your.... Financial hardship for victims and American Studies from the place where Innovation & insurance!! Get a renters insurance protects you as SafeWare and student insurance Partners less than 1... Someone takes a spill have records of ownership of your items may be covered by their own policy not spouse! Acts of another may be worth it to file a claim if unexpected. A piece of furniture or a large stereo, furniture, espresso maker and coffee table of of! By renter’s insurance opting out renters insurance laptop spill some of these cookies may have an effect on your experience... What happened and inquire as to whether the claim will exceed the deductible items may be some restrictions this.: 1 're in your rental home gets bitten by your dog, you may be covered if stolen. Journalism and American Studies from the National flood insurance Program spoilage due to a loss how well your policy allows... And homeowners insurance cover your laptop, and more and provides broad protections in the event property’s!

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