State Farm Insurance

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

  1. Poopsie macrumors newbie

    Oct 29, 2011
    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 603

    Dec 14, 2007
    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

    Dec 17, 2009
    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

    Oct 29, 2011
    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

    Oct 23, 2010
    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

    Aug 25, 2011
    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

    Oct 23, 2010
    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

    Jan 5, 2011
    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

    Apr 2, 2009

    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 68020

    Feb 1, 2008
    i have the personal articles policy for anything I own thats expensive and portable. Watch, Air, Camera-lenses. Its piece of mind at least
  11. Ankuska_0 macrumors newbie


    Sep 22, 2018
    I have MBP 2017 without Touch Bar. And got some water damage on the retina screen. I was looking for some insurance that could cover it. And get that repaired any suggestion for it. Thanks in advance!
  12. chscag macrumors 68030


    Feb 17, 2008
    Fort Worth, Texas
    Buying insurance after the fact and expecting to be reimbursed for the water damage would be considered fraud.
  13. KGB7 Suspended


    Jun 15, 2017
    Rockville, MD
    Enjoy jail time.

    Insurance fraud will lend you 5 years.

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