Does Home Insurance Cover Electronics? 
Depending on the policy , home insurance can cover electronics as long as it was damaged by one of the covered perils . However , in today 's market it is rare to have a deductible under a thousand dollars and you can usually replace most electronic devices for less than that . I personally would not file a claim for electronics unless the loss was so substantial that it would make sense . Insurance is there for you to use when you need it . However , claims to have an adverse effect on your premium as well as your insurability . So if possible I would handle it out of pocket before turning to insurance . 