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Does renters insurance cover TV damage?
My friend’s dog knocked over my TV, and now there’s a huge crack in the screen. Please tell me that TV damage is covered by renters insurance!
Bonnie Stinson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about your TV! We hope the dog is sorry, too.
The good news is that TVs are normally covered by renters insurance, along with your other electronics, furniture, clothing, art, and other possessions. However, it must be a covered peril for the damage to be covered. Unfortunately, accidental damage is not usually covered.
Before you file a claim, here are a few things you need to know about TV damage and renters insurance:
- Reason for the damage: If it was your own negligence that damaged the TV, it probably won’t be covered. Renters insurance won’t usually cover damage done by your pets to your property, either. In your situation, your friend’s policy should kick in to cover the cost.
- Claim limit: Most renters insurance policies have a limit for electronics, usually a maximum of about $2,000. You can purchase additional riders to get more coverage for your expensive equipment—but you can’t do this retroactively.
- Reimbursement amount: Your reimbursement amount will depend on whether you have an ACV or a replacement cost policy.ACVmeans actual cash value, so this policy will only pay out what the TV is currently worth. A replacement cost policy will pay out the current retail value, which is almost always a bigger figure.
- Deductible comes first: Whenever a company pays out on a covered peril, it first subtracts the amount of yourdeductible. Let’s say that the TV is worth $800 and your deductible is $500. Your payment from the company will be $300. It may not be worth filing a claim if the payout will be less than your deductible.
Insurance can be stressful. But it’s actually easy to find affordable coverage.
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is a comparison app that helps people find low insurance rates. It only takes 60 seconds to see if you’re overpaying—and it checks for home, renters, and auto insurance. If you are unsatisfied with your current policy, see if Jerry can find you a better one.Good luck with your TV!
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- Gregory R.
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