You may not realize it, but even kids heading back to high school and middle school may need a little extra insurance coverage. These days, most kids heading to school have electronics. Laptops. Tablets. Smartphones. We’re not saying EVERY kid returning to school has electronics you need to worry about, but let’s face it, most do. So what's the essential back to school insurance needs for your kids?

Smartphone on a desk

Electronics Insurance Needs for students returning to school

More and more, teachers are incorporating the use of tablets but they don’t have the funds to buy each student in the class a tablet. Smartphones are brought to school by much of the student population. Though they may have them locked away during classes, those puppies are out at some point whilst kids are on school grounds. Let’s protect expensive electronics from a multitude of “issues”.

Beyond store warranties

Face it, store warranties don’t cover everything that could happen to your child’s new phone. And pretty much NONE of them will cover an older phone a younger child may have inherited from his big sister. Some cover theft, maybe one might cover a power surge from lightning, and if you don’t buy the insurance with the purchase of the new electronic - you’re most likely not able to purchase it a year later. Electronics Insurance handles a lot of areas a store warranty won’t, including unlimited claims and it can be purchased at any time. If you’ve just purchased a refurbished laptop off of Ebay or Amazon, you can purchase electronics insurance to cover it.

Kids drop things

Just like adults, kids often drop things. Sometimes you get lucky and the gadget survives without damage. And then, if you have my kind of luck, your daughter drops her phone whilst helping her Nana at the doctor, and shatters her entire screen and makes the phone useless to operate. Unless bloody fingers is your jam, then it’s all good. However, getting a new screen is expensive on obscure phone models - cheaper to purchase outright, expensive to find cases and replace broken stuff, Electronics Insurance helps cover the cost, with a much smaller deductible than most store warranties. Or paying out-of-pocket for the replacement screen…. Or even the cost of a whole new phone.

If you have kids heading back to school, and they have electronics going with them each day, you’ll want to invest in a little insurance. Even if you trust your kids, their friends are another story. Protect your property! You just never know what’s happening at school, or after school, at practice, etc.

Give our office a call at 631.543.0500 to discuss what’s available to you, and your electronics. We’re happy to assist you.

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