Electronics insurance

Discussion in 'Buying Tips and Advice' started by question fear, Nov 16, 2006.

  1. question fear macrumors 68020

    question fear

    Joined:
    Apr 10, 2003
    Location:
    The "Garden" state
    #1
    Does anyone have individual item electronics insurance? I need to find coverage for my cell phone (cingular won't cover smartphones on their insurance), and I figure I might as well cover my computer, tivo etc as well. My car insurance company offers renters insurance but they said that only covers damage directly related to a break-in or damage to my apartment, so accidental damage or something occuring outside my apartment is no-go. I am leary of going with a random company; any suggestions on respected, affordable insurance policies?
     
  2. insomniac321123 macrumors 6502

    Joined:
    Jan 23, 2006
    Location:
    Milwaukee, WI
    #2
    I am with state farm. I added my mbp as if it were a peice of artwork, whatever coverage that is. It is covered for $2500. It is covered against theft and any damage I don't cause. It was only $50 a year. So... Hope that helps.
     
  3. question fear thread starter macrumors 68020

    question fear

    Joined:
    Apr 10, 2003
    Location:
    The "Garden" state
    #3
    Thanks, but actually because my primary concern is my cell phone, I need accident insurance. :(

    I've heard of "Safeware" insurance. Anyone use them? Are they decent? It looks like they just do electronics insurance...
     
  4. xfiftyfour macrumors 68030

    xfiftyfour

    Joined:
    Apr 14, 2006
    Location:
    Clemson, SC
    #4
    Have heard of them, but haven't dealt with them directly. If you get any answers, please post, though.. my fiance and I are looking into getting our apartment covered (more specifically our office), because we have WAY too much money invested and just sitting here on a college campus to leave it uncovered..
     
  5. sierra oscar macrumors 6502

    Joined:
    Apr 23, 2006
    Location:
    South Australia, Australia
    #5
    When I bought my C2D Macbook last week - I also took out a specific IT insurance policy for it.

    I know we are in different areas of the world - but I paid about AU$130.00 for accidental damage (if I drop it) , theft, fire etc for my portable (and it's case).

    A link to the Australian company I used won't help you - but I'm sure there are similiar products in you area.
     
  6. question fear thread starter macrumors 68020

    question fear

    Joined:
    Apr 10, 2003
    Location:
    The "Garden" state
    #6
    Well I applied to safeware, I will keep this thread updated when I hear something further. They said barring complications I should receive a policy in 1-2 weeks.

    The whole thing cost me 60.00 for 500.00 worth of coverage on my treo. i think it's worth it since replacing anything (especially the screen) would run me 100.00+.
     
  7. sierra oscar macrumors 6502

    Joined:
    Apr 23, 2006
    Location:
    South Australia, Australia
    #7
    I'm surprised actually - I got a cover note and was covered immediately before I paid for it - just faxed my receipts and sent a cheque in the mail. I don't understand why you have to wait to be covered - unless I've misunderstood the process?
     
  8. question fear thread starter macrumors 68020

    question fear

    Joined:
    Apr 10, 2003
    Location:
    The "Garden" state
    #8
    Well assuming personal insurance works similarly to life and health insurance, they'll retroactively cover you to when you purchased it but it takes a while to process. Also, it may be a day or two before I hear from them regarding the conditional coverage, since I did it online and didn't sign anything.
     
  9. sierra oscar macrumors 6502

    Joined:
    Apr 23, 2006
    Location:
    South Australia, Australia
    #9
    I didn't sign anything either - I guess insurance & laws in this area are just different from country to country. A cover-note does not need a signature and it's instant - sure there is a cooling off period for the policy - but it seems odd to me that the company needs 'time' to assess the risk. But I appreciate the differences in how some countries operate with things like this.
     

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