Naturally, many parents will be wondering whether these devices are covered under their previous home insurance policies. To answer this question, it is important to know that it will likely depend on when and where, and how these devices are being used.

For instance, while a range of personal belongings, including electronics are covered under the main home insurance policy, the use of these electronic away from the home may change this scenario.

Peril Insurance, for example, can help protect items lost or damaged in the home due to events such as fire or flooding, as well as theft and vandalism. However, this initial home policy may not be valid when it comes to covering replacement costs for items that have been damaged or lost while being used at school or on the way to and from school.

With that being said, it will most likely be necessary to purchase additional coverage for this type of expense. With the extended coverage for personal contents, specifically for electronics used outside of the home, these costs, up to a certain value, can be claimed depending on the extent and nature of the damage to these items.

This will typically include, devices that are either lost or stolen, as well as those that are subjected to accidental damages. In some cases, accidental damage coverage will also be its own specific add-on to the current policy.

It is also important to factor into the situation of whether a child is attending day school or attending university or college away from home. If your child, for example, is moving away for a school term, however it is not considered a permanent move, many home insurance policies can be adjusted to protect the electronics they are using while away at post-secondary institutions.

Alternatively, if your child moves away on a more permanent basis, then it is more than likely that they will need to look at purchasing renters’s insurance to support the coverage of these types of devices.

In the end, it is commonplace that a current home insurance policy will need to be re-evaluated to include extra contents coverage for items such as these electronics, especially those that are being used outside of the home.

If you find that your child will be using electronics away from home this school year, it is recommended that you discuss your options with an insurance agent who has direct knowledge of these policies.

At Leaders Insurance, we are happy to re-visit your existing home insurance package with you, in order to help you feel more assured that your coverage meets all of your home contents needs, this school year and into the future.