Computer Coverage provided by your Michigan Homeowners Policy

Michigan computer coverageAccidental computer damage not covered under Michigan Homeowners policies

Accidental damage to your computer can be expensive to repair. The cost of repairing accidental damage can start off at $200 up to the total cost of your computer. Accidents occur whether its a classmate spilling pop on your keyboard or you accidentally dropping your laptop outside shattering the screen. 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 carry any other policies 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 Nooks. If you have a personal laptop which you take to school or on vacation it is recommended that you purchase this broader coverage to protect your laptop during while away from home.

What type of coverage does your Michigan homeowners provide to your computer

Michigan homeowners or renters insurance policies will provide the same coverage’s for your computer  that your home is covered for.  These coverage’s 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 to $5000.  Any type of damage to your computer from drops, spills, or other accidental damage will not be covered under your Michigan Homeowners policy, but would be covered under a Michigan Personal Articles Policy. Michigan Personal Articles Policy usually will not cover maintenance or normal wear and tear.

If you have an insurance company, call your agent to verify the details of what your computer is covered for. But, if you don’t have an insurance company and would like to make sure you are properly 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.