Homeowners insurance covers the loss of personal property by other people while they are in your home. Anyone that visits you, therefore, gets basic coverage. If they lose their property or get injured, your home insurance can help compensate them to avoid lawsuits.

Should You Make A Claim?

It may not be in your best interest to make a claim for the lost laptop. It will affect your insurance record and is not worth it. You will be forced to make a deductible on the claim and the claim will be added to your report. Filling your report with unnecessary claims makes you appear as someone that is high-risk to the insurer. This may make your premium rates go higher. The deductible claim you pay could be almost as much as the cost of your friend’s laptop. File a claim for it only if your friend’s laptop is too expensive for you to replace. Consider the difference between your deductible and the cost of the laptop. If it is a lot, then it is okay to file a claim. If not, we advise that you protect your insurance record so it can be of use when you really need it.

At Hinman & Associates Insurance in Reno, NV, we write homeowners insurance quotes that are specific to the needs of individual clients. We understand that your home is a valuable investment and we are glad to help you protect it wherever you are in Reno or Spark and its surrounding areas. Our professionally trained agents will offer you the advice you need and answer any questions you may have. Hinman & Associates Insurance is committed to writing quotes that meet and exceed expectations.

Contact us now by phone or visit our office in Reno, NV to discuss a new quote.