Computers have become an indispensable part of our lives. Whether at home or work, there is absolutely no way out without using them for businesses and everyday tasks.

Computers being electronic goods aren't really cheap. Like all electronic goods, there is no real guarantee of its reliability either. Breakdowns, failures and repairs can cost a lot of money. The inconvenience is an added problem apart from the expense especially if you are dependent on your computer on a daily basis for day-to-day tasks.

What it covers?
Computer insurance plans usually covers mechanical or electrical breakdowns, where in you can claim a repair from a quality-approved engineer. Computer insurance can be used to protect your personal computer, laptop and Mac. Your printer and scanner may be covered too for a small additional sum of money. Computer insurance plan generally covers the base unit, monitor, mouse and keyboard.

Depending on the type and company you approach for your computer insurance plan, there may be some exclusions such as theft, damage due to accidents, software failure, cosmetic damage, wear and tear or maintenance costs.

Many content insurance policies cover upto certain limit but if this may not be the case if the computer or laptop is moved from the house or travel out for business meetings.