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<blockquote data-quote="frontheadlock" data-source="post: 637885" data-attributes="member: 35342"><p><strong>No way to homeowners</strong></p><p></p><p>You're right and wrong when it comes to using homeowners insurance for the macbook while you're in college.</p><p></p><p>1. Their homeowners probably has a 1000+ deductible. </p><p>2. It's a strike against their home insurance. One hailstorm that forces em to get a new roof, and your macbook claim might just cancel their insurance. </p><p>3. It only covers you while you're a full-time student in college or til youre 25. If you drop below 12 credit hours that semester, it doesn't cover you. </p><p></p><p>Renters is the same, except usually a 500 deductible, and the claim stays with you. #3 doesn't apply. </p><p></p><p>However not all is lost. Go to your State Farm agent, and ask about a PAP (Personal Articles Policy). You list your things of value, over $500, and you get a 0 deductible, and if you have a claim, it doesn't hurt your claim record overall. It costs anywhere from $2-$5 a month, and is valid anywhere. The only thing it doesn't cover is normal wear and tear. Accidental coverage, theft, mysterious disappearance, you getting angry and using it as a frisbee.. All covered, 0 deductible, anywhere anytime. </p><p></p><p>That's what I'd do. And you don't need an existing State Farm policy to get one of these. However, I'm sure they will try to pivot and make you take everything else over there too. </p><p></p><p>Good luck.</p></blockquote><p></p>
[QUOTE="frontheadlock, post: 637885, member: 35342"] [b]No way to homeowners[/b] You're right and wrong when it comes to using homeowners insurance for the macbook while you're in college. 1. Their homeowners probably has a 1000+ deductible. 2. It's a strike against their home insurance. One hailstorm that forces em to get a new roof, and your macbook claim might just cancel their insurance. 3. It only covers you while you're a full-time student in college or til youre 25. If you drop below 12 credit hours that semester, it doesn't cover you. Renters is the same, except usually a 500 deductible, and the claim stays with you. #3 doesn't apply. However not all is lost. Go to your State Farm agent, and ask about a PAP (Personal Articles Policy). You list your things of value, over $500, and you get a 0 deductible, and if you have a claim, it doesn't hurt your claim record overall. It costs anywhere from $2-$5 a month, and is valid anywhere. The only thing it doesn't cover is normal wear and tear. Accidental coverage, theft, mysterious disappearance, you getting angry and using it as a frisbee.. All covered, 0 deductible, anywhere anytime. That's what I'd do. And you don't need an existing State Farm policy to get one of these. However, I'm sure they will try to pivot and make you take everything else over there too. Good luck. [/QUOTE]
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