{"id":162,"date":"2009-09-17T22:46:00","date_gmt":"2009-09-18T02:46:00","guid":{"rendered":"http:\/\/noyeshallallen.wordpress.com\/2009\/09\/17\/should-you-insure-your-middle-schoolers-laptop\/"},"modified":"2017-11-09T08:53:16","modified_gmt":"2017-11-09T14:53:16","slug":"should-you-insure-your-middle-schoolers-laptop","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/should-you-insure-your-middle-schoolers-laptop\/","title":{"rendered":"Should You Insure Your Maine Middle Schooler&#8217;s Laptop?"},"content":{"rendered":"<p><span style=\"font-size:12px;\">As another school year begins, our clients who are parents of middle school students are asking us about insuring the laptop computers issued through the <a title=\"MLTI home page\" href=\"http:\/\/www.maine.gov\/mlti\/about\/index.shtml\">Maine Learning Technology Initiative<\/a>. As a <a title=\"Noyes Hall &amp; Allen Insurance agency South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\" target=\"_blank\">Maine insurance agency<\/a>, Our understanding is that the State does not have a &#8220;blanket&#8221; insurance program; however, many school departments appear to offer separate insurance coverage. <\/span><\/p>\n<p><span style=\"font-size:small;\"><span style=\"font-size:12px;line-height:14px;\"><span style=\"font-size:medium;line-height:19px;color:#0000ff;\"><img decoding=\"async\" class=\"at-xid-6a00e5540bfd4788340120a5d2e655970c  selected\" style=\"cursor:pointer!important;border:2px dotted #808080;\" title=\"Apple laptop\" src=\"https:\/\/riskebusiness.typepad.com\/.a\/6a00e5540bfd4788340120a5d2e655970c-120wi\" alt=\"Apple laptop\" \/> <\/span>In general, we recommend that our clients buy the coverage through their child&#8217;s school. Here&#8217;s why:<\/span><\/span><\/p>\n<ul>\n<li><span style=\"font-size:small;\"><span style=\"font-size:12px;line-height:14px;\">School property &#8211; The laptop belongs to the school, not the student. Therefore, it&#8217;s not considered owned personal property as defined by a homeowners policy. <\/span><\/span><\/li>\n<li><span style=\"font-size:small;\"><span style=\"font-size:12px;line-height:14px;\">Lower Deductible &#8211; The standard homeowners insurance deductible is $500.00. Most school programs feature a $50.00 deductible.<\/span><\/span><\/li>\n<li><span style=\"font-size:small;\"><span style=\"font-size:12px;line-height:14px;\">Broader coverage &#8211; Most homeowners policies don&#8217;t cover such perils as dropping the computer, closing it in a locker, etc. The school contracts we&#8217;ve seen cover most damage, unless it&#8217;s intentional and willful. <\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-size:small;\"><span style=\"font-size:12px;line-height:14px;\">Each school insurance program has restrictions; for example, some prohibit taking the computer out of Maine. Be sure to read yours before choosing how best to protect your child&#8217;s computer. For more information, contact us at <a href=\"http:\/\/www.noyeshallallen.com\">Noyes Hall &amp; Allen<\/a> at 799-5541. <\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As another school year begins, our clients who are parents of middle school students are asking us about insuring the laptop computers issued through the Maine Learning Technology Initiative. As a Maine insurance agency, Our understanding is that the State does not have a &#8220;blanket&#8221; insurance program; however, many school departments appear to offer separate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12,13,14,15,19],"tags":[],"class_list":["post-162","post","type-post","status-publish","format-standard","hentry","category-condo-insurance","category-homeowners-insurance","category-personal-insurance","category-renters-insurance","category-technology"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/comments?post=162"}],"version-history":[{"count":1,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/162\/revisions"}],"predecessor-version":[{"id":4781,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/162\/revisions\/4781"}],"wp:attachment":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/media?parent=162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/categories?post=162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/tags?post=162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}