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Other Things to Consider with Computer Insurance Coverage

-Is the policy for replacement or cash value? Cash value is usually not the best option due to how computers depreciate very quickly. Replacement coverage can cost 10 to 15 percent more, but will insure you will get back the system you need.

-Does the policy include data recovery?

-Does the policy cover the loss of business income while computers are being replaced or data being recovered?

-Will the policy cover any upgrades you may make to the computer?

-What is the deductible?

-Always keep receipts and show them to whoever you choose coverage with.

-Do you use your computer for business? Special policies may be needed to insure the full replacement costs are covered.

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