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Insurance claims from damage from flooding, cold and stormy conditions during the summer months have soared.  60% of current home insurance claims are related to bad weather conditions.  Home owners are being warned that not only do they need to prepare their home by checking trees, gutters, drains and roofs, but they must make sure they are in a position to cover any damages by being adequately insured.

The overwhelming majority of household policies provide cover in respect of flood, however, it is necessary to check your policy to make sure this is so.  Simple steps can be taken to prepare a property for the worst that the weather can bring.  Built up leaves, seeds, dirt and other debris that has run down your roof and into your gutter can lead to a blockage in the system which in turn can lead to major problems.  The good news is most of these blockages can be easily cleared, but it must be done often, ideally at the beginning of winter to clear leaves that have fallen during autumn and summer since high rainfall appears to be on the increase in most parts of the UK.

No matter what type of guttering you have, the troughs will need clearing.  It is not a particularly difficult job, but it is essential if you wish to avoid problems further down the line such as water damage and serious outbreaks of dry rot.

Investing in a personal computer is not less an amount. It is next only to investing in a house or a car. So, it’s not unwise an idea to insure your computer and its allied accessories like peripherals and software. However, how much coverage you get for what accessory depends on individual market offer. There are several threats your computer might face. Such as virus attack, data corruption, system crashing down, peripheral malfunctioning and many more. Thus, it is important for you to protect your investment by proper insurance coverage. There are certain aspects of computer insurance you must know.

Coverage under homeowner or renter’s policy

In most of the cases if you have homeowner or renter’s policy your home accessories and assets are also covered in that and so is your computer. It is covered against all the threats and disasters listed in the policy. Thus, if your computer gets stolen or gutted in fire you can claim for the damages. However, your computer gets covered only for the amount listed in your policy.

Replacement cost and actual cash value

Though replacement cost is 10 percent more expensive as compared to Actual cash value, keeping in mind that things depreciate fast, this is a very wise move. The reimbursement you get on replacement cost is the same as the current cost of your computer and not the petty depreciated cost you would get with actual cash value policy.

Coverage for Laptop and portable computer

Laptop and portable computers are considered personal possessions away from home under the homeowners or renter’s policy. Thus, they are also covered under this policy. However, there is a dollar limit on personal possession that are stolen or damaged away from home.

Computers don’t only get covered under the homeowners or renter’s policy. A number of insurance companies offer individual insurance policies for computers as well. It is important to remember that when you buy a computer insurance policy you must retain the receipt of the policy as well as that of the computer and its peripherals very carefully.

Computer insurance is vital for students, business professionals, small business owners, schools, home users with heavy usage and many more people who use computers for their critical applications. Computer insurance does not cover certain items such as maintenance costs, electrical or mechanical breakdown, wear and tear, fraud and dishonesty, consequential loss, and loss or damage caused by sonic bangs. However, they are well covered under the warranty/extended warranty of the equipment.