Computer Insurance

I received the rider on our home owners' insurance package that covers personal computers. It includes a list of what is not covered, and I thought you might enjoy it...

1. Mechanical breakdown; faulty construction; error in hardware or software design;

2. Wear and tear; marring; deterioration or depreciation; corrosion;

3. Birds; vermin; rodents; insects; animals owned or kept by an insured;

4. War, if delared or not; civil war; insurrection; rebellion; revolution; warlike act by a military force or military personnel; destruction, seizure or use for a military purpose; nor is the consequence of any of the above covered. Even if it is by accident, discharge of a nuclear weapon will be deemed a warlike act.

5. Nuclear reaction, radiation or radioactive contamination, all whether controlled or uncontrolled or however caused, or any consequencec of any of these.

Direct loss by fire, if it results from nuclear reaction, nuclear radiation, or radioactive contamination, is covered.
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Up to $3000 is covered, at a ost of $8 per year.