bjanow
Android Expert
This is a state by state thing as well as carrier policy. That does not hold for me, I checked with my insurance company. Besides, my deductible is $500 and not $250 so even if I did make a claim it wouldn't help my bottom line.I checked with my insurance guy and mine's covered under my existing homeowner's policy for full replacement value for loss, damage, theft, etc. $250 deductible and, if it's under $1,000, claims won't affect my premiums. Of course, I wouldn't want to turn in a claim every year.

