Most homeowners insurance policies will cover electronic equipment under the personal property coverage of the policy but there are two important factors to consider:
- How much is your deductible for theft losses?
- How much will your insurance increase if you file a theft claim?
Once you know the answer to these questions you will be able to make a decision as to whether you should file a claim. In many cases it will not make sense to file this type of claim and I'll explain why.