Bad things happen to good electronic devices in middle school and high school. Your Harrisburg, PA Renters Insurance can help to protect against those bad things. While not every possible cause of loss is covered under your policy, many common ones are.
Theft is a covered peril, though you should read your policy – there are a few that have sub-limits for computers and similar devices, but most do not. Obviously in high school, your student is not using the electronics in the course of conducting business, so that’s not a concern. If the device is stolen, you can get replacement cost coverage to help you buy a new one of like kind and quality. That means that your child will continue to have access to those learning resources in ways that they wouldn’t if you had to replace the device out-of-pocket.
Is damage from bullies covered under renters insurance in Harrisburg? It’s unfortunate, but we’ve not eradicated such things from the school experience. What if someone takes your child’s tablet and snaps it in half just for the sake of doing so? Is that a covered loss? It likely would be, because it would fall under the peril of “vandalism or malicious mischief.” This is a broad coverage that responds to intentional acts of others which cause damage to your property, subject to the terms of the policy.
Remember, though, you may want to consider protection plans offered by the wireless company, as well – they fit nicely around a Harrisburg, PA Renters Insurance policy. The protection plan might cover water damage from being caught in a rainstorm, where the policy would not. The policy would cover theft, where the protection plan might not. Just because both offer coverage for your child’s devices doesn’t mean they’re equal or duplicate each other.
To learn more about how to protect your child’s electronic devices both on and off your premises with renters insurance in Dauphin County, just call (800)892-4308 or click to get covered - whether you need Harrisburg renters insurance quotes online or coverage anywhere else!
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