faulty drives, glitches, and issues with ports and power supplies. If the insurer can’t repair your device, they will usually send you a replacement or reimburse you for its current value. Look for a policy that covers mechanical or electrical breakdowns resulting from anything from power surge damage, dust, heat, and humidity to manufacturer defects or even normal wear and tear. Some companies also offer tech support at no additional cost. This means you can contact an experienced tech support specialist who can help walk you through issues and troubleshoot problems. Not only will this save you time, but it could also save you a lot of money in the long run if an issue can be fixed easily. Keep in mind that your gaming furniture, like desks and chairs, will be covered under traditional home insurance. Most technology products come with a manufacturer’s warranty, but these warranties don’t always cover risks and hazards, or they may expire after a year. It’s also more expensive to pay for extended warranties on each device than purchasing a gaming equipment insurance plan. Make sure you understand how to assess your coverage limits and deductibles. Here are some tips to help you determine which will work best for you:
• If you have receipts for all of your equipment, use them to tally the total cost of everything you want to cover. This amount should be the limit you have on your policy. It may be best to ask for slightly higher limits in case you missed something or just in case you purchase additional equipment in the future. • Ask the insurance company about the cost of your deductible. Some companies charge a flat fee for each claim, while others may have a higher amount, such as $500 or even $1,000. Most gaming equipment insurance has a lower deductible, so it will likely be less than a regular home insurance deductible. Home insurance covers much more, including the home’s actual structure, which is why the deductible is usually higher. TIPS FOR GAMING ENTHUSIASTS If you’re an e-sports or gaming enthusiast, it’s important to be as proactive as possible to protect your items. Here are some tips to help you make sure that your valuables are covered and protected. • Document all of your gaming room items and any related equipment by saving all of your receipts. Store the receipts in a fireproof safe with a lock to protect them from theft. A waterproof case is also great for storing receipts and keeping moisture from
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