Does Home Insurance Cover Televisions? 
MOST homeowner policies cover televisons under the Personal Effects or Unscheduled Personal Property . They are covered just like any other personal item on an unscheduled basis . YOu might want to check with your agent to assure that you have Replacement Coverage on your contents . This way , the company pays to REPLACE your damaged items based on the REPLACEMENT cost - NOT the ACV -LRB- Actual Cash Value -RRB- - which is REPLACEMENT COST minus DEPRECIATION . Then the loss would be covered subject to your deductible . If someone stole your television worth a $ 1000 and you had a deductible of $ 2000 ... you would n't have any coverage since the loss is LESS than your deductible . 