Is My Ipad Covered On Home Insurance? 
A homeowners policy covers damages to personal property . Although limited , there is extended coverage to personal property that is not in the residence . The company will repair or replace the damaged item on either an actual cash value -LRB- what is it worth today -RRB- or a replacement -LRB- what will it cost to replace -RRB- basis . The amount that you recover will be reduced by the amount of your deductible . 