 What liability insurance is needed for a club (choir) to take children on a trip (Jersey)? |
| we're nota company but a club and are now thinking what liability insurance we need. I've read details on the web but we're not a sports club or a company and i'm confused in what ... |
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 Where should i look for health insurance plans? |
| i work freelance as a designer from home and i'm currently covered by my husband's health insurance plan through his job. we would like to have him quit his job and help me so that we can ... |
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 Crime reference number would i need one?? |
| if u crash your car then leave it because you assume its a write off but it gets took then set alight by vandals and is now a complete write off could you still claim and would you need a crime ... |
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 Can you have 2 short term disability insurance clames pay you at the same time?? |
| I will be having surgery and will be out of work for 4-6 weeks, i have short term insurance at work, but it only pays 60%, can i get another policy on my own and also collect that money???... |
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 Insurance won't replace windows...is this right? |
| I just comletely remodeled an older home (including refinishing the windows and original trim) and it has the old windows with divided glass. Unfortunately we had hail a week ago and it broke out 7 ... |
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 Buildings cover - How much do I need? |
| I'm looking for home insurance and one of the questions is how much buildings cover do you want? This is in addition to the value of your property question. I thought they were the same answer?<... |
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| Looking to work at home as an insurance agent - I have a liscense but I don't want to do any MLM thingie or spend a ton of money buying crappy leads for a company that promises the moon and the ... |
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 Health insurance for pre-existing conditions? |
| I'm 29 years old and had reconstructive urological surgery as a child and have had to be closely followed by a urologist all my life. I'm originally from Canada, but have permanent ... |
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 Health Insurance question....can an agent answer this? |
| I'm shopping around for health insurance and a question that is asked is about being a smoker. I quit almost 4 months ago. Some only ask, "Do you smoke tobacco...yes or no", others ask,... |
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 What do you think of this proposal to replace our health care dilemma? |
First of all I think we can all agree that our "for profit" system we have now, must and will be replaced. Now, how about this?
1. All workers will pay in let's say 2% of our ... |
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 I inherited a life insurance policy how do i check to see if its real? |
they say send them legal fees and they will send me the fund
Additional Details
i am the benificery they say fees are for the signing of my name also were can i check for ... |
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| if person invest in insurance and he invest which is safer for him to invest.... |
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 What right does my Mortgage company have to lay hands on MY Homeowners Ins. Claims check? |
I had a house fire and my mortgage company is giving me the run around about sending me my First Draw, after I’ve done all they have asked.
It appears to me, this is a scam by mortgage ... |
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 I'm looking for a health plan, with low monthly payments? |
neither my or my husbands job offer health insurance, so we are looking into private plans like Blue Cross Blus Shield. I am 28 and hubby is 29 and we have a 2 year old.
The quotes we�... |
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 Insurance claims? |
| Anually, what is the value of insurance claims due to water ... |
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 The doctor bills? |
| Me and my husband have independant insurance. We pay 300.00 a month and that is with maternity. Now the doctor says we have to pay the entire doctor bill before May so that is 500.00 a month. They ... |
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Stan A | Does contents insurance cover laptops? |
I have a second hand laptop that was broken inside the house. I wondered if my insurance would cover that and replace me with another one.... |
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mbrcatz
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Depends on how it was broken. Yes, they're just as much your personal contents (assuming it's not a business computer) as everything else in the house.
But CONTENTS are covered under a "named perils" basis on the standard homeowners policy - so the REAL question is, what caused the loss? If it's a covered CAUSE of loss, that's covered property. "Oops I dropped it" or "oops the baby poured a glass of orange juice onto the keyboard shorting out the whole system (my oldest did that, sigh)" is NOT covered. |
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Kaushik A
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Yes,but it should be specifically mentioned in the policy schedule with insured value.
You should have proof of ownership(insurable interest) of your secondhand laptop.Claim adjuster always wants to make it sure that it was broken due to accidental means of pure nature.O.K.,try it.Good luck. |
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Bird's Words
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Sure it will |
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Gambit
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You will need to read your policy wordings to see what type of perils are insured against for your contents, if you have a Named Perils type policy, or what perils are excluded, if you have an All Risk type policy. I can guarantee you this type of damage would never be covered under a Named Perils type policy. If you have an All Risks type of policy and this type of damage is not excluded, then it would be covered, but now does the amount of damage exceed your deductible (by a significant amount, or else it is not worth it). IF it does, then by all means, however you will lose any claims free discount you have, and if you have had other claims in the past you may be dropped by your insurer on renewal. |
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PLzHeLPMe
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There is a good chance it would cover it but you have a few things to consider. Electronics like laptops are personal property so they are covered everywhere but depending on whether it was shorted out or dropped or plain abused it may or may not be covered. People who start their house on fire by accident with their grill are still covered by their homeowners policy because intent is the key if coverage is clearly in place. One, how much is your deductible because you will be charged it? Two, what is the value of the laptop? Is your policy actual cash value or replacement cost value? Evaluate your loss and determine if it is an amount that is claimable under your policy. Then, the adjuster would decide if the manner in which it was broken was a covered peril (or loss) under the named perils of the policy. |
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