Investing in a personal computer is not less an amount. It is next only to investing in a house or a car. So, its not unwise an idea to insure your computer and its allied accessories like peripherals and software. However, how much coverage you get for what accessory depends on individual market offer. There are several threats your computer might face. Such as virus attack, data corruption, system crashing down, peripheral malfunctioning and many more. Thus, it is important for you to protect your investment by proper insurance coverage. There are certain aspects of computer insurance you must know.
Coverage under homeowner or renters policy
In most of the cases if you have homeowner or renters policy your home accessories and assets are also covered in that and so is your computer. It is covered against all the threats and disasters listed in the policy. Thus, if your computer gets stolen or gutted in fire you can claim for the damages. However, your computer gets covered only for the amount listed in your policy.
Replacement cost and actual cash value
Though replacement cost is 10 percent more expensive as compared to Actual cash...
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