My dog peed on my notebook computer (bad dog). Insurance?
I have renters insurance. will it cover this, or should i own bought flood insurance?
Answers:
Check your policy. The deductible is probably too much to product it worthwhile.
-MM
Shave the dog.
Oddly enough if you own an Comprehensive or All Risk policy, then it should be covered. I looked at the wording for the ones we go and it excludes damage "...cause by birds, vermin, insects, raccoons, skunks, squirrels or rodents;". Since a dog doesn't qualify as any of them it looks approaching it would be covered. This would apply to any of your property, you wouldn't need to enjoy the laptop specifically scheduled contained by order for this to apply. If you have a Broad or Specified Perils policy then it absolutely wouldn't be covered, as dog urine is not a peril that policy covers. So grab your policy, read it, cross your fingers and hope that you didn't procure the cheap policy.
No chance. Not one of the describe perils contained by your policy and pet damage is never covered.
But check beside your agent...
If it was my dog he should own bought health insurance because he would be need it!
Personal property on most policies is named peril. After double checking them for you dog pee is not one of the named peril. If you have the computers programmed on your policy there would be coverage.
not unless you endorsed your policy for computer coverage
No coverage anywhere for your loss. You are S O L.
Piss on the dog to show him how it feels. Then verbs out your renters policy. If you got a dutiful policy there should be coverage for your laptop although it will be subject to a deductible as ably as a maximum amount.
Flood won't cover it. Renters will cover it, if you scheduled the computer on a personal articles floater, and salaried extra. Other than that, damage that your own dog does to your stuff, isn't covered underneath the policy.
Flood insurance? you must have one big dog.
Call your insurance agent. That might be covered underneath your renters policy.