To compare gadget Insurance and find the policy for you, simply choose your the kind of device you would like to cover and it's value in the drop-down menus below.
Gadgets boost your personal productivity
Whether communicating with friends, clients, business associates, or your boss, crunching numbers,
typing out a report, or just downloading and enjoying videos and pictures, gadgets dramatically boost
our personal productivity. You don't even have to be using these specialized pieces of equipment for
business and income generation to see the impact they can have on your time's value. By boosting your
productivity they enrich the value of your time � you are able to do more with less effort and time. Not
only do gadgets explode your productivity in terms of the wide range of things you can do, they also
boost your productivity by increasing the number of places you can work or do leisure activities.
Considering the amount of freedom and productivity your gadgets bring you, shouldn't you insure these
items against theft, loss, or breakdown?
Compare gadget insurance to get the best coverage for your items
Let's face it, there are many small gadget insurance plans available on the market today. However, they
don't all offer the same protection. Some plans looks mighty similar but a quick look at their coverage
terms show they actually cover differing contingencies and offer differing levels of protection. The
bottom line is you must always compare coverage features in terms of actual coverage not �packages.�
Many insurance packages use similar sounding labels and titles but they are actually referring to
slightly differing things. These �slight differences� might lead to a big difference when it comes time
for you to file a claim with your gadget insurance company. The most common trap you should avoid
is to avoid over- and under-coverage. Many �premium� plans pack a lot of robust coverage provisions
which might not apply to how you actually use your gadgets. This results in paying for coverage you
probably will never use. Conversely, going for the cheapest gadget insurance might sacrifice price for
coverage. Read the guide below to avoid these traps and properly compare gadget insurance to get the
best coverage for your particular situation.
What kinds of accidents and damages does the policy insure against?
Your gadgets are threatened by a wide ranging assortment of dangers. Some you can control, most
you can't. While you can probably guard against accidentally dropping your laptop or camera, you
probably can't guard your gadgets against damage from the weather or, in many cases, theft. Go over
the coverage provisions very carefully and compare it with how you actually use your gadgets. Don't
just focus on how you currently use these items - you should also project into the future by considering
any prospective uses for your gadget. Once you have a clear picture of your range of uses, study the
differing insurance options and pick the ones that most closely cover your current and near term usage
patterns.
What geographic coverage does the policy carry?
In addition to considering your usage of your gadgets, consider your geographic coverage as well�
what are your travel plans? Do you travel a lot for business? Do you travel seldomly? Your gadget
insurance coverage should take your travel patterns into account. If you travel a lot for business and
you don't get worldwide coverage, your gadgets might be dangerously underinsured.
If you travel, make sure your travel locations match your coverage. Don't find out the hard way that
the country where you lost your laptop is not covered by your insurance policy. Make sure to list down
your most visited locations as well as prospective locations. Select your insurance policy accordingly.
How does the gadget insurance affect your gadget's warranty?
Many insurance policies cover against gadget breakdown. However, these might not be necessary
and might be a waste of money if there are cheaper �warranty extension� coverage options available.
Also, check your gadget's manual and the Internet to see what the estimated life of your gadget is.
Balance the estimated life of your device with the cost of warranty extension and the likely price of
replacement. Keep this calculation in mind when considering warranty extension coverage. Also, you
might need to factor in the value of your gadgets' usage � i.e., do you use it for business or purely
personal reasons.
Avoid the trap of under and over coverage
Put simply, most gadget users are walking a tightrope when it comes to getting the right gadget
insurance. Many are in danger of either being over insured or under insured. Either you lose money
by paying premiums for coverage against risks that probably won't happen or you are on your own
because the policy you bought doesn't cover your particular loss. To protect your gadgets properly,
make sure you are aware of your particular usage patterns, the risks you normally and prospectively
face, and choose your gadget insurance policy based on this information. A little advanced planning
more than pays for itself in terms of money saved and headaches avoided in the future.
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