Don’t Americans have home insurance that covers devices?
My home insurance has both ‘all risk’ and ‘out-and-about’ optional coverage. Turning them both on raises my home insurance from ~€6 to ~€13, but it means all my stuff is insured everywhere, for every incident.
The only downsides are a €100 deductible and a per-incident cap of €2000 for electronic devices, which means that if I drop into the canal with my phone and my laptop I might not get completely made whole. Still great though, and beats the hell out of insuring all my expensive stuff separately.
I'm not aware of homeowners insurance that has a separate deductible for personal electronic devices. People typically have a deductible of $1000 or more for their homeowners claims. Also, if you ever make a claim, your rates will go up and you will be unable to switch carriers for about 5 years as no one will insure you if you had a recent claim.
