1. You’re a statistic. To an insurer, you’re not a person; you’re a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors,” including your occupation, who you are, what you own, and how you live. 2. Know your home’s value. Before you choose a policy, it is essential to establish your home’s replacement... 

Claims Notification and Requirements: This section will outline the rules set by your particular laptop insurance company as to how you are to notify them if you need to make a claim. Don’t just assume that you just make a phone call and that’s it. Technically you must follow the rules as outlined in the conditions of your policy. They may state that you must notify them by telephone as well... 

It may come as a shock to male drivers, especially those who assert vehemently that women are clumsy and therefore dangerous drivers that most accidents are caused by men. In a survey conducted by the reputable charity Brake, only 46% of the people thought that men were poorer drivers, and 42% believed that men and women are in fact equally prone to get into accidents. Home Office statistics show... 

By Kevin Ho I’ve settled into a comfort, perhaps even complacency, with the iPhone of late. I used to be a worrier about not being contactable. When I used to travel I used to fret about not having my laptop along. Now I could care less; I still have access to my email, news and AIM/Gtalk via the iPhone. In fact, my laptop’s power supply has been broken and I am only now getting around... 

By Sam Costello For small, expensive, often-dropped devices like cell phones, insurance is becoming an increasingly common add-on purchase. After all, if you spent $300-$400 on a phone, what’s another $50 to ensure that it will keep working for the life of you cell phone contract? Not from Apple or AT&T That thinking – and fear of needing to extend cell phone contracts to get new phones... 

A laptop is probably one of the most vulnerable pieces of equipment one owns today. Its very function (i.e. mobility) makes it more liable to fall, get stolen or damaged in multitude of ways (e.g. common place spills of coffee on a busy office table). A casual look at a property crimes log for any metro reveals that laptops are unfortunately one of the highest stolen type of items. According to... 

If you are one of the millions of people who rent an apartment, you should seriously consider getting apartment insurance. Do you think your landlord’s insurance will protect you if there is a fire, flood, earthquake or theft? Think again. Your landlord’s building insurance will not replace any of your personal items. Your landlord’s insurance only protects him and his building. Think...