Extra Equipment Insurance

If your computer equipment is not adequately covered by your other insurance, you can buy a rider or separate policy to cover it. Look for insurance that not only covers the physical computer equipment, but also damage to or loss of data. Some companies will write policies that pay for time spent on data restoration. Since some high-tech equipment is also prone to failure due to things like power surges, electrical arcing, or other forces, you may need a policy that covers types of equipment breakdowns that are not part of your regular property policy.