835 Views 8 Replies Latest reply: Apr 19, 2007 3:36 PM by Anthony Donnelly
I'd say that is exactly what homeowners insurance is for. I'd try them again or another insurance company. You may just have got someone who didn't know what they were talking about - sometimes you have to tell them if a particular item in your home is of a certain value - you may also want to take a look at the wording of your policy.
It's not something manufacturers usually get into - it's not as if they have the tools to work out the risk/premium ratio - insurance companies do.
Best of luck
"My homeowners insurance people are telling me that I need a manufacturer extended warranty that'll cover accidents"
Not entirely true. While some computer makes to offer them, Apple does not. So you need to inquire about a personal articles policy through your insurance agent.
It's the same type of policy that one my take out on jewelry or something else really expensive. I have such a plan through State Farm on both my wife's engagement ring and my cell phone.
There are companies such as this one that provide accidental damage protection.
I can't say I have ever had any experience with them. You might want to do some research on similar companies and see if you can get some feedback on how easy they are to deal with, how well do they pay on claims etc.
Sorry for my ignorance in regards to conversion rates, but if I have it right it is around $60US or so? If so that is a really nice rate.
I have way to many computers, printers, monitors etc. to cover them all without my premiums going through the roof, but I have often thought about at least covering my laptop. I may give a call just to see what coverage limits I can get on specific pieces of equipment.
AU$70 = US$58.47 - it's a good rate as it was an
addition/extension to an existing home contents
policy (and they have my house policy) so it was
discounted by 15-20% I think.
Very nice! Much better than what those independent companies want. I am going to have to place a call to my insurance company and see if their rates are comparable.
Appreciate the info!