Your renters insurance policy may help pay to repair or replace personal handheld electronics, including a laptop, smartphone, tablet or personal computer, if they are stolen or damaged by certain causes. Renters insurance may also help cover theft of your belongings.

Can you claim a broken TV on insurance?

If an accident happens that cracks your TV screen, you may be covered if you have accidental damage cover. Standard home insurance policies usually have accidental glass breakage included, but you’ll often find that TV screens (including, tablet and laptop screens) are excluded from this.

What is covered under accidental damage?

An accidental damage policy covers any damage that occurs suddenly as a result of an unexpected and non-deliberate external action. That basically means if you spilled red wine on a brand-new cream carpet the policy would help you cover the cost of cleaning. The insurer might even offer to replace it.

Why do I need renters insurance for my TV?

Renters insurance is designed to protect you from loss of your personal property because of theft, vandalism or natural disaster. You need it because your landlord’s policy covers the building itself, but not any of your possessions. A renter’s policy will cover your TV only if it was damaged because of one of the perils listed in your policy.

When does renters insurance cover personal property damage?

Personal property damage: If your personal property is damaged in a covered peril, your renters insurance company will cover the cost of the damage up to your policy’s limits. A covered peril is a damaging event listed in your policy such as fires, wind and theft.

Do you need renters insurance if you are a tenant?

While this may be true for the building itself, landlords are not typically responsible for damage to or loss of tenants’ belongings (unless your lease explicitly says otherwise). Instead, you would need renters’ insurance to cover your damages or losses from the following:

How does insurance work for a damaged TV?

If your TV is the only item damaged, insurance will pay you only if the TV is valued at more than your deductible. The insurance company will determine the value of your TV according to the type of coverage you bought. Actual value is the value less the depreciation; for example, your five-year old TV now is worth less than you paid for it.