Protecting Your Electronics With Home Insurance!

South Florida homes and dwellings are stockpiled with the newest forms of all electronics. Whether it’s and HDTV, a desktop or laptop, iPad, smart phones or even high-tech security systems, bringing technology into the home may impact on your Florida homeowner’s insurance in a few ways, so it’s worth considering the following.

In the first instance, any item you purchase for your home will add to the value of your possessions. It’s a good idea to keep a home inventory and update it regularly. That way you can keep a track of the total value of your possessions and adjust your contents insurance when required. Keep in mind that items over a set limit (generally around $2000) may need to be covered under a separate valuable items floater policy.

Looking after your gadgets is of course a wise move. Surge protectors are just one device that can assist in the protection of electronics, by minimizing the chance of computers or other high-tech items being damaged or destroyed in an electrical storm. Should you invest in surge protectors, smoke alarms or fire extinguishers, ask your agent about a discount on your home insurance, as safety features such as these tend to put you in a lower risk category for loss.

Whether you have a sole computer or a home brimming with the latest gadgets, looking after them is important. In addition, to ensure they are covered under your current Florida home insurance policy, spend some time familiarizing yourself with your current contract. Do you need more information? Then your insurance agent is just a phone call away.