A PC or laptop is an invaluable item to many residents in Virginia due to the personal connection one can get after making their PC their own. You may have 100s of purchased games or files for work which would be detrimental if you were to have said PC stolen. Luckly, there is a solution for this: home insurance.
Many Viriginians enjoy heading outside to enjoy the natural splendour the state has to offer – the rivers, mountains, and beaches. Taking a laptop with them is a viable option, as it’ll allow them to work or upload and edit photos on-site. Protecting these devices is of utmost importance in this environment too. Can home insurance cover that?
In this article, we will be going through and telling you everything you need to know about home insurance in Virginia, as well as clearing up some of the common misconceptions people usually have about home insurance.
What is Covered / What Isn’t Covered?
If you are unsure about what home insurance actually is, you are not in the minority.
Essentially, home insurance is an insurance that is able to cover you in the case that a number of unfortunate events ever come to fruition.
Each insurance plan differs in what the company is liable to cover you for, but most commonly the better the plan, the more extensive the cover.
Some examples of these plans would be dwelling coverage which offers covers against damage to comes to your home from the elements, liability coverage which covers any damages that may have come from personal liability, personal property coverage which can cover a wide range of items that you own, and external coverage which can provide cover for garages, sheds, and more.
Some companies will offer protection for some of the variables mentioned above, while others may provide extensive coverage for all of them.
Reading the Lemonade home insurance in Virginia guide, aside from stating some of the many beautiful places to live in the state, it mentions about the susceptibility of Old Dominion to extreme weather. Flooding and damage from hurricanes can occur, but these aren’t covered by home insurance. Such packages are separate and need to be purchase independent of home insurance should you wish to have that extra protection.
You’ll be able to adjust the value of your personal property in your home insurance policy to better reflect upgrades or new purchases down the line too. While many new devices do come with warranty you can opt into, but, in most cases, your home insurance will cover this, so you’re paying extra for what you already have or what you can get cheaper. It’s worth shopping around doing some research – not all policies will be the same – but home insurance is a very valid and effective means of protecting your PC from damages suffered inside or outside of your home.
Other Steps You Can Take to Protect Your PC
Apart from purchasing home insurance, there are a plethora of other ways you can protect
Firstly, one of the most important steps you can take is getting some form of anti-virus software. There are endless options out there when it comes to getting your hands on anti-virus software, but it’s always best to opt for a brand that is trusted and reputable in order to get the best protection.
The increase in data leaks and hacks of major corporations will be of concern to some consumers, and they will take active measures to minimise the chances that it is leaked, but the onos for this protection falls on the companies themselves. However, these leaks will likely not impact your device at all.
An VPN is great for protecting against direct hacks on your PC or laptop if you’re using public Wi-Fi. It’s these extra buffers that work in the same vein that digital wallets do – putting an extra layer between the consumer and the vendor or service provider. It’s all part of the same ecosystem which enables consumers to take their security into their own hands, and be a little more proactive.
For the hardware, a great way you can protect your PC is by simply getting a protective case. Sure, it’s unlikely that a protective case would be able to stop any serious damage coming to your PC, but you’d be surprised at just how much a protective case can save your PC from minor damage such as accidentally dropped items or spilt drinks.
Livelihoods are on PCs and laptops, so investing in protection is more than sensible.