Home insurance gives you the peace of mind that your cherished home is insured against perils and damages due to natural or manmade reasons. To make your home insurance more comprehensive, it is advisable to cover these high-end appliances. For instance, a television is an integral part of all our lives, when it comes to entertainment. From LEDs to Smart TVs to Home Theatre Systems, our homes are enhanced with these entertainment devices that are quite expensive to replace or repair. Also, with rapid technological advancements, the once simple and boxy television sets have evolved into sleek smart devices that connect and fulfil all our needs online.
So naturally, the more technologically advanced a TV is, higher will be its price. And greater will be the need to safeguard it against any potential damages and financial losses. A perfect safeguard against breakdown, theft or damage, of your television is to get it insured under home insurance.
A hefty amount is usually spent on buying a TV, and so, insuring it is a good way of getting the protection you deserve in case of an accidental damage or loss. Having a comprehensive insurance policy for TVs has many benefits, as listed below:
The amount depends upon a lot of factors that influence the premium cost as well as the coverage that comes with it. Here is a look at the same:
Coverage offered for television against any damage due to fire.
It’s distressing to even think about your television getting stolen. Financial Coverage is offered in case of theft or burglary
Damages caused due to any external accident, or any damages that are incurred while the television is in transit (not aerial) are covered by the television insurance
Breakdown coverage due to any mechanical or electrical fault. The cost of repair and replacement is covered in this case
Losses arising due to normal wear and tear or restoration are not covered
Manufacturing defects or defects that arise due to the fault of the manufacturer will not be covered. The insured will have to file a claim against the manufacturer in this case
If you file the claim after getting the repairs done yourself,your claim will be rejected
Aesthetic defects like scratches, stains and any issue with the material quality are not covered by the insurance
Covers the cost of any damage to your television in case of a war or nuclear disasters
For televisions that are more than 365 days old from the date of purchase, the insurance is not valid, as the policy needs to be taken within the first year of purchase
At the time of taking the policy, the insured should provide correct information about the product in a transparent manner. In case any important information is not provided or wilfully hidden, it will not be covered by the insurance
Damages caused wilfully by the owners are not covered under this policy. Breaking or damaging the parts accidently, like dropping them on the floor, are not covered
The insurance doesn’t cover damages caused due to wilful negligence of the owners, since the item is insured. Damages caused due to negligence of owners, like mishandling or misuse are not covered
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