Michigan Homeowners policies don’t cover accidental damage
Accidental damage to your computer can be expensive to repair. The cost of repairing unintentional damage can start at $200 up to the total cost of your computer. Accidents can occur on your laptop. Whether its a classmate spilling pop on your keyboard or you accidentally drop your laptop. Extra coverage is available.
Michigan Personal Articles Policy needed for broader computer coverage:
Michigan insurance companies that provide homeowners insurance also sell personal articles policies that you can purchase for your computer, even if you don’t have any other insurance with them. For a $2,000 computer, this policy costs less than $60- $100 per year. These policies usually provide coverage with limited to no deductible.
Michigan Personal Articles policies may not provide coverage for IPads or Electronic devices such as Kindles or Chromebooks. If you own a personal laptop, purchasing this broader coverage to protect your computer will provide broader protection.
What type of computer coverage is provided by your Michigan homeowners policy
Michigan homeowners or renters insurance policies will offer the same coverage’s for your computer that your home is covered for. These coverages are for fire, smoke, lightning, theft, wind, vandalism or pipes freezing. Most Michigan homeowners companies will also limit this coverage under their policies for personal computers and software for $5000. Any damage to your computer from drops, spills, or other accidental damage will not be covered under your Michigan Homeowners policy but will have coverage under a Michigan Personal Articles Policy. The Personal Articles Policy will not include coverage for maintenance or normal wear and tear.
If you have an insurance company, call your agent to verify the details of what coverage your computer has. But, if you don’t have an insurance company and would like to make sure you are adequately protected, a policy can be started with a phone call 248-888-1134, or you can click here to start a quote from a local Michigan insurance agent or to receive more information.