{"id":4643,"date":"2020-08-20T04:13:34","date_gmt":"2020-08-20T04:13:34","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4643"},"modified":"2020-08-20T04:13:34","modified_gmt":"2020-08-20T04:13:34","slug":"estimating-the-value-of-electronics-for-your-home-insurance","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/estimating-the-value-of-electronics-for-your-home-insurance\/","title":{"rendered":"Estimating the Value of Electronics for Your Home Insurance"},"content":{"rendered":"<p>When insuring possessions on homeowners insurance, you have a lot of leeway to choose the limits you want. Yet, the thing about possessions insurance is that your coverage might restrict how much it will pay for items of value, like your electronics. When thinking about the value of these items, take a few extra steps to choose the right policy limits. <\/p>\n<h4><span class=\"ez-toc-section\" id=\"What_Electronics_Do_You_Own\"><\/span>What Electronics Do You Own?<span class=\"ez-toc-section-end\"><\/span><\/h4><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swflinsurance.com\/estimating-the-value-of-electronics-for-your-home-insurance\/#What_Electronics_Do_You_Own\" >What Electronics Do You Own?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swflinsurance.com\/estimating-the-value-of-electronics-for-your-home-insurance\/#Determining_Value\" >Determining Value<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swflinsurance.com\/estimating-the-value-of-electronics-for-your-home-insurance\/#Getting_the_Right_Coverage\" >Getting the Right Coverage<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Some electronics you want to make sure you insure. The best way to not forget an important item is to make a list. Go from room to room of your home and make note of: <\/p>\n<ul>\n<li>Computer equipment (including printers and scanners) <\/li>\n<li>Tablet computers<\/li>\n<li>Mobile phones<\/li>\n<li>Televisions &#038; DVD players<\/li>\n<li>Stereo systems<\/li>\n<li>High-end security systems<\/li>\n<li>Cameras<\/li>\n<li>Smart-Home devices<\/li>\n<\/ul>\n<p>Once you know what you have, you can begin to gather information on the items\u2019 values. You can also decide which items to insure and which to skip<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Determining_Value\"><\/span>Determining Value<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>When determining an electronic item\u2019s value, checking the receipt is a good place to start. If you don\u2019t have the receipt, you might check the current market value of the item or have it appraised.<br \/>\nMost electronics have two values. First, there is their sticker price, which is the cost of the item when you bought it. Second, there is the item\u2019s cash value. As you use items, they age or newer models enter the market, the cash value will drop below the new-item value.  <\/p>\n<h4><span class=\"ez-toc-section\" id=\"Getting_the_Right_Coverage\"><\/span>Getting the Right Coverage<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>There are some restrictions that your homeowners policy might apply to possessions coverage: <\/p>\n<ul>\n<li> The policy will only pay up to its limit for all possessions claims. So, if you have $100,000 in possessions coverage, then you will only recover a maximum of $100,000. That\u2019s why it is important for you to accurately estimate the value of all belongings. <\/li>\n<li>Most policies will only pay you the cash value of a damaged item at the time of the loss. Therefore, you might not recover the full cost of a new item. When appraising electronics damage, this might make a big difference in settlement costs. <\/li>\n<li>Some policies place a sub-limit on items like electronics. Though you might have $100,000 in total coverage, you might only be able to recover $10,000 for electronics. Deductibles will also apply. Always check your policy to see if these limits exist.<\/li>\n<\/ul>\n<p>To get adequate coverage for important electronics, you might be able to request full replacement cost coverage instead of cash value coverage. Additionally, you might also be able to schedule a particular item on your home\u2019s coverage. By scheduling an electronic, you can apply a direct limit specifically to that item. You\u2019ll receive guaranteed compensation for the loss as long as the damage was not excluded by the policy. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>When insuring possessions on homeowners insurance, you have a lot of leeway to choose the limits you want. Yet, the thing about possessions insurance is that your coverage might restrict how much it will pay for items of value, like your electronics. When thinking about the value of these items, take a few extra steps to choose the right policy limits. What Electronics Do You Own? Some electronics you want to make sure you insure. The best way to not forget an important item is to make a list. Go from room to room of your home and make note of: Computer equipment (including printers and scanners) Tablet computers Mobile phones Televisions &#038; DVD players Stereo systems High-end security systems Cameras Smart-Home devices Once you know what you have, you can begin to gather information on the items\u2019 values. You can also decide which items to insure and which to skip Determining Value When determining an electronic item\u2019s value, checking the receipt is a good place to start. If you don\u2019t have the receipt, you might check the current market value of the item or have it appraised. Most electronics have two values. First, there is their sticker price, which is the cost of the item when you bought it. Second, there is the item\u2019s cash value. As you use items, they age or newer models enter the market, the cash value will drop below the new-item value. Getting the Right Coverage There are some restrictions that your homeowners policy might apply to possessions coverage: The policy will only pay up to its limit for all possessions claims. So, if you have $100,000 in possessions coverage, then you will only recover a maximum of $100,000. That\u2019s why it is important for you to accurately estimate the value of all belongings. Most policies will only pay you the cash value of a damaged item at the time of the loss. Therefore, you might not recover the full cost of a new item. When appraising electronics damage, this might make a big difference in settlement costs. Some policies place a sub-limit on items like electronics. Though you might have $100,000 in total coverage, you might only be able to recover $10,000 for electronics. Deductibles will also apply. Always check your policy to see if these limits exist. To get adequate coverage for important electronics, you might be able to request full replacement cost coverage instead of cash value coverage. Additionally, you might also be able to schedule a particular item on your home\u2019s coverage. By scheduling an electronic, you can apply a direct limit specifically to that item. You\u2019ll receive guaranteed compensation for the loss as long as the damage was not excluded by the policy.<\/p>\n","protected":false},"author":2,"featured_media":4645,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"Estimating the Value of Electronics for Your Home Insurance When\u00a0insuring\u00a0possessions on\u00a0homeowners\u00a0insurance, you have a lot of leeway to choose the limits you want. Yet, the thing about possessions insurance is that your coverage might restrict how much it will pay for items of value, like your electronics. When thinking about the value of these items","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_metasync_otto_title":"","_metasync_otto_description":"","rank_math_title":"","rank_math_description":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-4643","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-swfl-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Estimating the Value of Electronics for Your Home Insurance - SWFL Insurance<\/title>\n<meta name=\"description\" content=\"Estimating the Value of Electronics for Your Home Insurance When\u00a0insuring\u00a0possessions on\u00a0homeowners\u00a0insurance, you have a lot of leeway to choose the limits you want. 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