Will AAA or Home Insurance pay for Wii Remote damage on LCD TV?

If your homeowner insurance policy is like mine, it doesn’t cover home electronic equipment like TVs and computers without a separate rider that you pay extra for. Your policy might also have a provision that excludes damage caused by negligence on the homeowner’s part. You might not consider this negligence, but the company probably would. Also, most policies have a deductible that the homeowner pays first, maybe a few hundred dollars. So if they pay anything, it wouldn’t be the full cost of repair.
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Tough luck. That’s why they have wrist straps….. Oh and why you probably should let a five year old around your expensive Wii and LCD TV.
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If you have contents insurance included in it.Then yes you should be covered for accidental damage to electrical stuff etc.I claimed for a new LCD and a new laptop that both my sons accidentally damaged and got payment for them both
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The only way this type of loss would be covered by your home insurance provider is if you have "all risk contents." If you have "standard" contents coverage (which the majority of people have) there is an extremely high chance that this loss will not be covered. Contractually, a basic standard contents coverage policy would not pay for this type of loss. It may hurt you in the long run if you put the claim in for this type of negligent loss. Of course, I can’t advise you either way but think twice before you submit a claim. Insurance companies, believe it or not, would much rather pay a larger claim than a small one because it costs them so much money to negotiate a claim like this, if it were to be covered at all.
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http://www.brokergopher.com