Does home insurance cover acidental damage?
by admin ~ March 19th, 2008 . Filed under: Insurance .
The Joker asked:
I acidently spilit water on my laptop and broke it. Would home insurance cover this?
Monica
I acidently spilit water on my laptop and broke it. Would home insurance cover this?
Monica
March 19th, 2008 at 6:32 pm
Why SO Serious ??
On a more serious note, check with your insurance company they know what areas are covered by your participation.
March 20th, 2008 at 4:27 pm
You’re kidding, right? The answer is no and to save you the trouble of asking more foolish questions homeowners insurance also doesn’t cover dropped broken dishes or clothes damaged in the washer from too much bleach.
March 21st, 2008 at 2:38 pm
“Ooops I spilled water on my laptop” is NOT a covered peril under the STANDARD homeowners. It IS a covered peril under an HO7 style form, OR, if you’ve seperately insured your laptop on an EDP style endorsement.
So, it depends entirely on your homeowners policy. If you paid extra for either the HO7 or the scheduled property, yes. If you didn’t pay extra, likely no.
YOUR AGENT should be able to answer this for sure.
March 25th, 2008 at 12:58 am
Since no one here has a copy of your policy no one (I mean NO ONE) here can give you a definite yes or no. I sell Homeowner’s policies where that would be covered, and I sell policies where it wouldn’t (they cost less and some people want to pay as little as possible). Call your broker/agent and ask them
March 27th, 2008 at 3:17 pm
homeinsurance.awardspace.us - try this one. I just get home insurance from them. As I know they provide such a service.