My pleasure and good point about the cost of the insurance vs. the cost of the electronics themselves. Gadget depreciate at an incredible rate – the smaller the item, the faster the fall.

The coverage I use is very patchwork depending on where I’m traveling and how long I’ll be staying in a given place. What’s worked quite well for me is opening up a business credit card (good for frequent flyer miles as well) and getting the added personal property coverage it provides.

Absolutely agree – calling the agents themselves is the best way to get the information you’re looking for (or bumping into what you didn’t know about). Plus it’s much easier than reading *all* of the fine print that doesn’t always finely define everything that could happen 😉

Thank you very much Barbara. I too have found overall that more traditional insurance companies provide better coverage across the board – health and electronics. A bit more cumbersome to find though but a large market someone is missing out on.