Serving Northeast Ohio
Since 1994
Let us help you
Home Page


MP3 playerMost think of furniture, televisions and refrigerators when they asses their personal property limits, but many insurance companies now consider your digital data personal property as well. 20 years ago this would have been unheard of, but in 2012 most people have purchased an extensive library of digital data and this data has value that can be reimbursed when lost in an insurable incident.

Downloaded Music - Digital music files can be downloaded as MP3s and MP4s directly to your home computer or portable music player, possibly even your smart phone. Even though this is considered an intangible item, it does hold value.  When creating a home inventory retain receipts for your downloaded music purchases so that you can include them in insurance claims. Some larger downloading services have a history of past purchases saved in your account with them. If you’ve not already been collecting receipts, check your online account and add your purchase history to your home inventory today.

Downloaded Software - Just as with downloaded music, downloaded software also holds value and should be included in your personal property limits. Be sure to keep all paper and electronic receipts in a place that will be protected from fire, water and other hazards. Downloaded software can include games, tax and accounting programs as well as word processing programs and design software. These items don’t have to just be downloaded to your computer –if you’ve stored them on CDs or a thumb drive, note this in your home inventory as well.  

Tangible Software - Not all software is downloaded; there are still those who’ve purchased a product from the store and have a tangible disc for installation or game play. Be sure to keep records of these purchases as well so that you can include them in claims.

It’s a new day and age in digital purchasing, but the old fashioned advice to save your receipts still rings true. Let us know if we can help you asses value and adjust your limits accordingly. Call us today for a Mentor OH insurance quote at 440-266-8888.

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version
Have Other Questions?

Policies Carrier Contacts
Need to report a claim? Contact your carrier directly.
Refer Customer Service
Self policy service any time of the day, directly from our website.
Newsletter Request a Quote
Request a quote online and let us do the shopping for you.

Knowledge and Expertise

About Us 

Regency Insurance Agency is a professional, independent agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price with the right service.


Our Latest Blogs

Read More Read More Read More
Our Office Connect With Us

Main Office

1930 Mentor Ave
Painesville Twp., OH 44077

Map & Directions

Contact Us Today!

PH: 440.266.8888
PH: 800.350.6876
FX: 440.266.8899

    Facebook LinkedIn
Your Trusted Advisor
Home Get A Quote Customer Service About Us Contact Powered by Insurance Website Builder