Household contents insurance covers electronic devices only if they are damaged by specific insured events like fire, burglary, water damage, storm, vandalism, or hail. Accidental damage, wear and tear, and simple theft are not covered by this insurance. Electronics insurance offers broader protection, including accidental damage and operational errors, but is not currently offered by Feather.
How does household contents insurance protect electronic devices?
Household contents insurance covers electronic devices such as laptops, mobile phones, cameras, and tablets if they are damaged or stolen as a result of specific insured events. These include fire, burglary, vandalism, water damage, storm, and hail. For example, if a pipe bursts and damages your laptop or if your electronic devices are stolen during a burglary, these events are covered.
Are accidental damages or other types of loss covered for electronic devices
Household contents insurance does not cover accidental damage caused by you or a third party, simple theft, operational errors, or wear and tear to electronic devices. Damage must result from the insured events specified in the policy to qualify.
What additional options are there for covering electronic devices?
Electronics insurance, also known as elektronikversicherung, covers devices such as laptops, mobile phones, cameras, tablets, and sometimes home appliances more extensively. This type of insurance typically includes protection against theft, accidental liquid damage, falls, breakages, or operational errors.
Does Feather offer electronics insurance?
Feather currently does not offer electronics insurance as a standalone policy or as an addition to household contents insurance.
What can I do if I want coverage for accidental damage to my devices?
You can check whether your device is covered by a warranty or consider purchasing additional electronics insurance, which may be available from the retailer at the time of purchase.