State Farm Insurance

Discussion in 'MacBook Air' started by Poopsie, Nov 8, 2011.

  1. Poopsie macrumors newbie

    Joined:
    Oct 29, 2011
    #1
    So I talked to my home owners insurance agent about covering my MBA. She said they have accidental coverage for $30/year. This covers all accidental and water damage. If you go with Squaretrade, it is $349 for 3 years. So if anyone is looking for cheap water/accidental damage, go see your insurance agent.
     
  2. ZipZap macrumors 601

    Joined:
    Dec 14, 2007
    #2
    No all insurance companies offer this type of coverage. You have deductibles in both cases.

    Also, be careful that filing a claim for you computer does not impact you claim history for your home. Too many claims definately impacts premiums.
     
  3. paulrbeers macrumors 68040

    Joined:
    Dec 17, 2009
    #3
    Exactly. You do NOT want this insurance to be tied to your home owners policy. I assume it is not, but you had better make sure. Anything that is likely to be lost/stolen/broken should be on separate policies (i.e. Jewelry, portable electronics, etc.). The last thing you want to do is have your laptop replaced and your coverage on your house get dropped. Getting insurance on your house after your coverage has been lost is VERY expensive.
     
  4. Poopsie thread starter macrumors newbie

    Joined:
    Oct 29, 2011
    #4
    It is a completely different policy, IT IS NOT TIED TO MY HOMEOWNERS POLICY. It does not go against claims on my account, it does not have a deductible. I am careful as most of us are, so if it gets used once, fine. If you are prone to using it numerous times, probably not a good option. But for the price to be protected, and NOT HAVING IT TIED TO YOUR POLICY, its perfect.
     
  5. KPOM macrumors G5

    Joined:
    Oct 23, 2010
    #5
    I have this same policy. It's called a "personal articles policy" and covers the replacement cost of the notebook for accidental damage, etc. with a $250 deductible. It doesn't cover manufacturing defects, but if you purchased the computer with a credit card, often that doubles the manufacturer's warranty.
     
  6. Buildbright macrumors 6502a

    Joined:
    Aug 25, 2011
    #6
    Just becareful and ask for a copy of the underwriting language. Keep in mind just because you pay for insurance it does not mean they will pay. State Farm like other companies are successful for the claims they deny not the claims they pay.
     
  7. KPOM macrumors G5

    Joined:
    Oct 23, 2010
    #7
    I've had good luck over the years with them. Remember, they are a mutual insurer (i.e. owned by their policyholders). Also, if they never paid claims, no one would ever buy insurance.
     
  8. TheRealDamager macrumors 65816

    Joined:
    Jan 5, 2011
    #8
    This is in general good advice, but these companies are successful for the claims that aren't filed, not necessarily for filed claims denied.
     
  9. Bulldog3777 macrumors 6502

    Joined:
    Apr 2, 2009
    #9
    Insurance

    Have had the Personal Articles Policy for years. Had a camera stolen and the agent wrote me a $1500+ check on the spot. No deductible. I have no complaints with State Farm.
     
  10. richard371 macrumors 68000

    Joined:
    Feb 1, 2008
    #10
    i have the personal articles policy for anything I own thats expensive and portable. Watch, Air, Camera-lenses. Its piece of mind at least
     

Share This Page