homeowner insurance question

 Our LCD tv was accidentally broken by a neighbor kid dropping a game
controller.  Should our homeowner's insurance cover any of the replacement?

 

I can't read your policy through the internet. Why not call up your
insurance company/agent and ask them?


** Posted from http://www.teranews.com  **

 Why ask such a question in a newsgroup before asking my insurance agent?  I
may get a more 'practical' answer in the newsgroup whereas my insurance
agent has a business interest.  If I have a clearer perspective before
talking to the insurance agent, I'm more likely to do what is in *my* best
interest and not necessarily filtered through his.

Example: From the reponses on this subject it appears very likely that if I
made a claim my rates will go up.  Would my agent make this clear to me?  I
don't know but this is extremely important to my decision.  The newsgroup
gives me this different perspective.

 says...

I've had it happen where I call my insurance company with a question, they state
that I'm not covered (which would be fine...) then immediately proceed to write
it up as a denied claim (which isnt so great).    A highly-rated insurance
company too.

Banty

 Very interesting and worth keeping an eye on.  Thanks.