PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does home insurance cover a broken TV?
Last weekend, my cat went nuts playing with some catnip and knocked my new TV off its stand. The screen now has a huge crack in it. Will my homeowner's insurance cover this accident?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Well, I’m sure your cat felt terrible about the whole incident. (Right?) Unfortunately, standard homeowner policies don’t usually cover accidental damage to electronics. This is one reason many people take out accident coverage from the manufacturer when they purchase televisions, cell phones, and computers.
That said, your electronics have some coverage under your homeowner’s insurance, including:
- Power surges caused by lightning or a storm
- Fire and smoke
- Theft
- Vandalism
- Explosion
- Wind
- Falling objects
However, even when your personal property is covered, you may receive only the actual cash value (ACV) rather than the replacement cost value (RCV) for the item. This is because actual cash value accounts for the depreciated value of the item.
To help cover future damages caused by your cat, consider a pet rider. Most insurance companies offer pet parents the option of purchasing a rider that will cover damage done by their pets. You can also review your current policy to see whether you are covered for the full replacement cost value (RCV) of personal property. If you routinely buy expensive electronics, you may want to pay a bit extra to have RCV coverage.
Insurance is confusing, so if you ever have a question about your [car insurance] (
https://getjerry.com/car-insurance
) or homeowner’s insurance, reach out to Jerry’s
friendly agents. Even though we’re the top-rated car insurance app, we have live humans who are here to answer your questions and provide advice on the best coverage options. Our agents are just a text or phone call away.Hoping that you can patch things up with your pet friend soon—after all, your cat didn’t mean to cause the damage!
MORE: [What is Coverage C on Homeowners Insurance?] (
https://getjerry.com/advice/what-is-coverage-c-on-homeowners-insurance-by-elan-mcafee
)View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies