Originally Posted by Steve
My wife and I put our wedding rings on a separate policy under our homeowner's insurance. After receiving our Blackberries we paid a visit with our insurance agent. Since covering the rings was already $x.xx
amount, they added our BBs and the fee for the policy didn't change. There are no restrictions on this policy either.
Peace of mind!
Couple things to keep in Mind, because I was thinking about this as well until I talked to my insurance agent. First, your deductable on your policy, mine is 500, its usually a little high, so even if you make a claim in my case my deductable is higher than replacing the phone.
Second, now when you make a claim on your homeowners it stays with you pretty much forever. Companies track your claim and keep records of it, so when you go to sell your home, or get new insurance on a new home, that claim stays with you.
Just a word of warning I got from my insurance agent, just wanted you to be aware.