#Home protector usaa cracked#
Insurers treat damage from negligence or carelessness (like that cracked screen on your iPhone) very differently from damage triggered by named perils. Your insurer won’t pay up simply because you spilled your latte on your MacBook or ereader. Does your Lemonade insurance policy cover your dead laptop? Meanwhile, we can help cover damage from that burst pipe through your personal property coverage.Įlectronics damaged by flooding, however, wouldn’t be covered-this would fall under the umbrella of a separate flood insurance policy, if you have one. The only reason Lemonade wouldn’t cover a fire is if it had been set deliberately. Incidents inside the homeĪ wildfire that spread from a nearby forest to your property would clearly be grounds for filing a claim for the damage.īut what if you’re dealing with the aftermath of a fire (or another event, like a burst pipe that drenches your electronics) that started inside your home? Lemonade still has your back. Since theft is one of the 16 named perils included in most homeowners insurance policies, you’d be eligible to file a claim-after you’ve filed a police report-on your pickpocketed smartphone.Īgain, even if something happened to your property while you were outside the home-vacationing, or visiting a friend, or riding the subway-your insurer will still compensate you for your loss over your deductible. With those basics out of the way, let’s take a look at some common scenarios. Lemonade coverage starts at $1,500 but you can increase your coverage to up to $6,000.
#Home protector usaa portable#
If you live in California, New York, Virginia, or Florida, all of your personal property-including electronics-is covered by your insurance company to a maximum of $250,000.Įvery other state separates out portable electronics into their own special category.