Re: Insurance
Sorry for the loss. Although brought up a post or two ago, it bears repeating: if anyone has actual cash value on property, it will be depreciated appropriately should there be a loss. Also, make sure there are no "special limits of insurance" which would cap any payout unless the item was scheduled with the company (it varies, but computers generally are not required to be). Read the policy jacket, as it may also limit the coverage for theft or mysterious disappearance without an additional endorsement. Most carriers offer replacement cost on property which would allow an adjuster to write you a check for a brand new item.
Someone had spoken about their computer being covered under their parent's policy. If you are in college and live in a dorm, you may want to ensure it is still covered. Sometimes carriers apply a percentage of the coverage to property located normally outside the home. If you are in a dorm or student apartment, you may want to change your official mailing address to that of your parents to get around underwriting restrictions (because the property may be incidental to class attendance, but normally located at the parent's residence).
Also keep in mind that the insurance industry has a loss history report, similar to a credit report, which they are able to use in considering for future insurance purposes and to which you have no legal right to access and verify the information on there. Just some tips from an insider 😉
