Do you know about - Electronics insurance - Are Your Electronics and Computers Covered by Your Insurance?
We Buy Junk Cars Atlanta! Again, for I know. Ready to share new things that are useful. You and your friends.There is a lot of misinformation today about buyer electronics and how it is treated by insurance companies. Most habitancy I talk to think that if they have homeowners or renters insurance, their buyer electronics are covered.
What I said. It is not outcome that the real about We Buy Junk Cars Atlanta. You look at this article for information on a person wish to know is We Buy Junk Cars Atlanta.How is Electronics insurance - Are Your Electronics and Computers Covered by Your Insurance?
We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from We Buy Junk Cars Atlanta.But they commonly find out that their assumptions aren't true...at claims time.
Sure, some of the property is covered. But there are a bunch of limits and exclusions that will surprise you if you have a loss and file a claim.
Don't wait until claim time to learn about this prominent coverage. Read this report carefully and make good decisions about your coverage.
Twenty years ago, buyer computer usage and rights was not all that common. If you owned a cell phone, you carried it in a bag the size of a small purse. There were few home fax machines. Answering machines were pretty common, but voicemail was still on the horizon. Scanners were non-existent. Printers and copiers were huge and expensive, and you didn't see them in most homes. If you were the rare person who had satellite Tv, the dish was about eight feet over and sat out in the back yard. And Personal Digital Assistants (Pdas) and Mp3 players had not been invented yet.
But today....
In our home we have:
o two desktop computers with monitors
o four laptop computers
o four printers
o one stand-alone fax machine
o one aggregate fax, scanner, copier
o three Tvs
o two Vcrs
o one digital video camera with tripod for our home recording studio
o one audio mixing board, one microphone, one amplifier, two external soundcards, and a 500Gb hard drive, all for our home recording studio
o two Dvd players
o two cell phones, one smartphone, each with voicemail
o one satellite Tv theory with a 24" dish on the roof
o two Ipods
Your home may not have that amount of electronics, but then again, you might have more. The way that buyer electronics prices have tumbled over the years makes rights much easier for more and more people.
But...is it covered? Does your homeowners or renters insurance cover your electronics?
We run three cut off businesses out of our home. Most of our electronics are used in our businesses.
Do you have a home business? There are millions of home businesses...everything from home daycare to a aid firm to multilevel marketing businesses. Many times, those entrepreneurs own office electronics for their home business. Do you use your computers and other electronics for any kind of home business? Even if you're answering office email on your home computer, it could be carefully "business use."
Are they covered by Your homeowners policy?
Are they covered if they are business-related?
What happens if your desktop or laptop computer is stolen, either from home or away from home? Is the theft covered by your homeowners insurance policy?
If you're carrying your laptop straight through an airport anywhere in America, your laptop is at huge risk for theft. (See more below) What if your laptop is stolen while you're in the airport?
Here is the respond to those questions...
Maybe!!
In the Homeowners or Renters Policy, Coverage C, Contents, there are extra limits of ,500 for "property, on the house premises, used primarily for firm purposes." The policy says there is a 0 limit for "property away from the house premises used primarily for firm purposes." Of course, you will have a deductible to pay first, so if your deductible is 0 or more, you won't get Any money from the insurance firm for this loss.
Are your personal electronics covered? Yes, but only for the following perils:
o Fire or lightning
o Windstorm or Hail
o Explosion
o Riot or Civil Commotion
o Aircraft (not in aircraft, but if aircraft fall on your stuff.)
o Vehicles (not in vehicles, but if vehicles crash into your stuff.)
o Smoke
o Vandalism or Malicious Mischief
o Theft
o Falling Objects (stuff falling onto your stuff)
o Weight of Ice, Snow or Sleet
o Accidental dismissal or Overflow of Water or Steam
o Sudden and Accidental Tearing Apart or Bursting (of a steam or hot water system).
o Freezing
o Sudden and Accidental Damage from an Artificially Generated Electrical Current
o Volcanic Eruption
As I said above, the policy limit for firm electronics at the house is ,500.
If your laptop or other transportable electronics are stolen from your car, there is no coverage under your Auto insurance for the theft.
Also remember, that under Coverage C, Contents, cost is made on an Actual Cash Value basis, not exchange Cost Value. The only way to get Rcv is to add the Contents exchange Cost endorsement to your policy. It's not automatic, you have to request it.
How about other kinds of damage that your computer might sustain?
o Accidental damage, such as dropped equipment, falls, liquid spills and auto collisions.
o Water damage
Those kinds of damages are not covered under your homeowners or renters policy.
And what about the software and sensitive data in your computer? Is that covered, too?
Not likely. In the Homeowners and Renters policies, under the "Property Not Covered" section, "business data, along with data stored in computers and associated equipment" is not covered.
So, to be fully covered, you'll need to buy some added coverage.
Computer And Personal Electronics Insurance
The prominent firm in the world for computer and transportable electronics insurance is Safeware Insurance. They have programs for students, individuals, small and large businesses and schools at very competitive rates.
Let me take a few minutes and tell you about their superior insurance product.
If you own:
o Desktop or Laptop Computers
o Personal Digital Assistants (Pdas)
o Smartphones
o Digital cameras
o Mp3 players
o Scanners/Faxes/Copiers
o Printers
o Dvd players
o Flash drives
o Servers
o External hard drives
o Digital camcorders
o Peripherals that associate to your computers straight through an Usb port, Firewire, Pcmcia or someone else input
All of these electronic products need extra insurance coverage not in case,granted in Homeowners or Renters policies.
Did you know these facts about computers?
o Accidental damage is the amount one cause of loss
o Theft is amount two cause of loss
o Power surge is amount three
o Manufacturer warranties do not safe your computer from accidental damage or theft
o Even though some manufacturers do offer extra "damage only" coverage, they do not offer coverage for theft, power surges, natural disasters or vandalism.
You already know how easy it is to have electronics with exchange value in excess of ,500. There are loaded desktops and laptops that really exceed ,500 Each.
So, you have some choices:
1. Call your agent and buy a Personal property Endorsement to add coverage to your homeowners or renters policy. Downsides to this choice are (a) many endorsements only pay the Actual Cash Value of the damaged property, not exchange cost, and (b) perils like Accidental Damage, Drops, Falls, Cracked Screens, Liquid Spills and Auto Collisions are not covered.
2. Buy a practice policy that just adds extra coverage for your computers and other electronics, like:
o Desktops
o Laptops and notebooks
o Personal Digital Assistants (Pdas)
o Smartphones
o Digital cameras
o Mp3 players
o Scanners/Faxes/Copiers
o Printers
o Dvd players
o Flash drives
o Servers
o External hard drives
o Digital camcorders
o Peripherals that associate to your computers straight through an Usb port, Firewire, Pcmcia or someone else input
Safeware's policies cover Accidental Damage, Drops, Falls, Cracked Screens, Liquid Spills and Auto Collisions.
Business Electronics
In May 2006, burglars stole a laptop from the home of a data interpreter at the group of Veterans Affairs. The laptop contained the sensitive personal information of over 26 million veterans and military personnel. The Fbi said that the laptop was recovered after an informant "snitched," motivated by a ,000 reward.
But it's not just organizations that deal with buyer data that are involved about thefts. Clubs whose employees have laptops are simply involved with the value of the computer when it is the firm that owns the laptop.
The Ponemon Institute, a privacy risk supervision think tank, released an unabridged study in June 2008 entitled "Airport Insecurity : The Case of Missing and Lost Laptops." They studied laptop security at 106 American airports and found that there is an average of 12,000 laptops lost, missing or stolen at American airports Per Week! The airport with the worst report is Los Angeles International, with about 1,200 per week. The nation's busiest airport, Atlanta's Hartsfield, was in eighth place with 450 per week.
Further, the study found that only 33% of the laptops within the airport's Lost and Found Departments are ever reclaimed! That means that the remaining 67% of unclaimed laptops are either sold or disposed of by airport authorities. Can you fantasize the amount of sensitive personal and firm data contained in those laptops? No one knows what happens to that data, but it is All at risk. The Identity Theft risks are astronomical.
Safeware's policy covers firm electronics for the hazards the homeowners, renters or firm insurance policy does not cover.
Education Coverage
Students face a higher risk of damage or theft than a general adult user. Students can contact accidents when they're putting their stuff into their locker, or accidentally get bumped in a busy hallway, or when they're running to the bus. A soft drink could be spilled on the keyboard, or they could sit their laptop bag down somewhere and later find it missing.
This policy protects students' computers against Accidental Damage, Theft, Vandalism, Power Surge, and Natural Disasters at any location within the Usa, Canada and while in transit.
Small firm Coverage is for any sized firm with electronics property values up to ,999, exterior Accidental Damage, Theft, Fire, Vandalism, Power Surge and Natural Disasters.
Commercial Coverage is a group plan for organizations that have electronics property values in excess of ,000. Coverage can be one of the following: unabridged (Accidental Damage, Theft, Fire, Vandalism, Power Surge, and Natural Disasters); Theft Only, or Accidental Damage Only.
The commercial policy can benefit organizations such as:
o Schools and colleges that want to make their student's notebook computers more safe and less at risk.
o Corporations issuing notebooks and laptops to their workers, and wishing to minimize their risk of capital loss.
In these organizations, the tool is owned by the corporation or school and used by the laborer or student. contact has shown that if an personel does not own the computer, he or she is likely to take less care of the item than if they owned it themselves. Schools and businesses need to insure their tool against the perils that could turn their costly tool into unusable junk.
Safeware insurance policies do not depreciate for age and condition of your electronics. If you have a claim that requires exchange of your equipment, they pay for like kind and potential of the tool you had. That's a Huge inequity from the Homeowners and Renters policies, and could mean thousands more dollars to you in a claim.
Worldwide Coverage is an endorsement that adds global coverage to your policy for a very low price. Standard coverage is for the Usa, Canada and Puerto Rico.
Mobile benefit insures Pdas and smartphones. You likely purchased your unit at a big reduction when you signed up for a aid plan. If your gismo is damaged or stolen, you'll have to pay full sell for someone else unit. However, with movable Advantage, you're only responsible for the deductible per incident to get a brand new device.
For more information about Personal Electronics insurance for your student, yourself, your firm or your school, contact Safeware insurance at: safeware.com
Laptop saving Coverage
Can you get your stolen laptop back?
There is a way that you can safe your laptop, and then retrieve your laptop after it's been stolen.
Three burglary suspects were arrested on February 1, 2008 by Albuquerque police, thanks to a stolen computer loaded with tracking software. The software is called LoJack for Laptops(Tm), advanced by Absolute Software. The tracking software told the police exactly where to find the suspects. The police were also able to recover thousands of dollars in other stolen property at the location.
Absolute Software is the leader in Computer Theft Recovery, Data security and obtain Asset Tracking(Tm) solutions. It works this way: You install the LoJack for Laptops(Tm) software and register it at the LoJack website. If the laptop is stolen, you forewarn your local police and forewarn the LoJack saving Team. The next time your computer is associated to the Internet, the laptop privately notifies the Monitoring center of its whereabouts. The saving Team can track its location, and furnish police with the information they will need to get a quest certify and recover your laptop.
Pricing for LoJack for Laptops(Tm) starts at only .99 per year.
My friend here in Atlanta, Cole Harrison, had his laptop stolen from his car recently. He had the Lojack theory on the laptop, and notified them immediately when he discovered the theft. Lojack located the laptop the next day...in Thailand.
If you want safe your laptop so you can get it back after it's been stolen, contact Lojack for Laptops at: www.lojackforlaptops.com Lojack boasts a 90% saving rate for stolen laptops.
Conclusion
For only a small price, you can have the permissible coverage you need to safe all your personal and firm electronics. Be the smartest person on your block with the right protection. Be the hero to your firm with the best coverage. You Can Do It!!
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