Do you have a lot of electronics in the house and love new, exciting technology? Are you unsure how to best insure your various electronic devices? Then read here, where you get a guide to insurance of IT equipment.
Is the regular home insurance sufficient?
You probably already have an ordinary home insurance, and maybe you think that it is enough. However, in most cases it is correct. A home insurance covers of course all the belongings that may be in your house – thus also your TV, your tablet and your smartphone. The problem is only that a home insurance only covers in case of, for example, burglary or flooding, and that means that there is nothing to pick up if your computer burns down or you, for example, lose your television in a moving process. In other words, the home insurance covers only if it is something you are not the master of, and if you yourself are an accomplice to the accident, there is nothing to come by. If you have a lot of IT equipment, there may be good sense in choosing to insure it further, so you are even better covered and not – roughly speaking – can only get compensation if you have burglary or lightning strikes in your house.
Should you buy the stores electronics insurance?
When you buy new electronics, you will often be offered to purchase a specific electronics insurance for the product. In the store they will ask if you want to insure the electronic device in question, and there may well be Sense in that. This insurance usually covers far more than home insurance does, and it will also benefit you if, for example, you lose your mobile phone or you will spill coffee in your new MacBook. However, the problem with this type of insurance is that it only covers one device, and you must buy a new one every time you buy new IT equipment. It can be a bit cumbersome, and in the long run it can also run up if you have a penchant for electronics. The shops ‘ insurance is thus basically quite fine, it is just a hassle to have to insure each and every appliance separately.
How is one best covered?
If you want one insurance that covers all your needs, the smartest thing is to buy an outright electronics insurance as an addition to your home insurance. The different insurance companies each have their own way of doing it, so the easiest thing is to simply contact your insurance company and hear what they can offer you. With an electronics insurance you get an insurance that covers the same way as the stores ‘ insurance does, but where you have it all combined in one. It is a little easier to keep track of, and then there is no doubt about how you are insured if the accident is out. The good thing about one is that it covers both if your IT equipment is stolen, but also if you are responsible for it breaking. That way, you can safely invest even more money in electronics, because you are covered all the way around, and this insurance also covers, for example, washing machine and dryer, which there is often also good sense in having a little better insured than that.
How to best insure your IT equipment
Do you have a lot of electronics in the house and love new, exciting technology? Are you unsure how to best insure your various electronic devices? Then read here,…
Written d. 18 sep 2018 – No comments