What if During my Commute to my Office Via Public Transportation my Personal Laptop gets Lost, Stolen, or Damaged? Would it be Covered by my Home Insurance Policy, in Dallas / Fort Worth, Texas?

Using public transport options in Dallas / Fort Worth, Texas may provide some level of convenience, but it may also result in a lost, stolen or damaged laptop if you carry your electronic devices to your office. Fortunately, it is likely that your homeowners insurance policy will cover your belongings, even if they are not in the house.

Basic Policies

In many cases, a homeowners policy will provide protection for your personal belongings. The amount of protection available under your policy may vary, but it is usually a percentage of the coverage amount.

Even though certain belongings, like a laptop or tablet, may leave the house, your policy may still cover the item when it is damaged or stolen during your commute.

Potential Variation

Although the basic plan may cover belongings that are taken out of the house, each insurer and plan is different. It is possible that your laptop may not be covered if it falls under an exception or clause in your current plan.

Since there is potential variation between different insurers and plans, read through your policy to determine how much coverage is available, whether electronics are covered and if there is an exception that prevents you from making a claim on your policy when belongings are damaged, lost or stolen during a public commute.

While it is possible that your current plan may have an exception or clause that prevents you from making a claim, it is more likely that you are covered under a homeowners insurance policy. To learn more about protecting your personal belongings, contact us to speak to an independent agent today.