--- title: Home Insurance Cover for Digital Media date: 2011-01-28T00:00:00+00:00 author: Marc Prior canonical_url: "https://www.assetsure.com/homes/home-insurance-cover-for-digital-media/" section: News --- Our Customers Love Us! Property Insurance [Trustpilot](https://uk.trustpilot.com/review/assetsure.com) ### Get a Quote. Choose from our range of insurances below [Home](/) › [Property Insurance](https://www.assetsure.com/homes/) › [Home Insurance Cover for Digital Media](https://www.assetsure.com/homes/home-insurance-cover-for-digital-media/) # Home Insurance Cover for Digital Media The digital age has possibly lead to a gap appearing in many [home insurance](https://www.assetsure.com/home-insurance-quote/ "Home Insurance Quote") polices. Whilst it is normal to provide accidental damage or loss to TV, videos, dvd’s, sound reproducing equipment and computers most home insurance companies, do not make any mention in their policy wording of insuring electronic downloads. Some companies even specify that, in the event of a loss they will not reinstate data to computers. A study by the consumer watchdog has found that a third of leading home insurers standard home insurance policies do not offer any form of protection, even though over 100m tracks are downloaded by Brits every year. Some policy wordings are now beginning to be updated but a limit of £1000.00 a claim seems to be the norm. This seems adequate for most households but it is worth totting up how much you have spent to make sure. Also, it is just possible that in the event of a loss, an insurer may ask for some proof of purchase. Many companies, who sell digital music, are happy to allow the purchaser to download tracks again from a website if they are lost but some of the most popular ones do not. Anyone with a sizable digital music collection should check, their home insurance policy wording and also make sure that any portable devices are insured whilst out side of the home, as if a loss is going to occur, it tends to be away from the home when it does happen. iphones, ipods and nano’s are all popular and an average sized family can soon amass a sizeable and costly music collection. Digital media is not just confined to music, many games and even computer software such as security programs can be downloaded from the internet, and in the event of the loss of the computer, then it is possible, that some programs will have to be purchased again as many come with a time expiry download link. With any form of digital media, it is a good idea, to keep a record of the cost and where the items were purchased from, also if the company will allow you to reinstall, if the items are lost. A definite, is to keep an offline record of any software unlock keys, these are often misplaced and replacement of items built up over a period of time can be costly. ## Latest News & Advice [![Britain needs more Flats](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/blocks-flats-insurance/britain-needs-more-flats/) ### [Britain needs more Flats](https://www.assetsure.com/homes/blocks-flats-insurance/britain-needs-more-flats/) We can trace the need to convert houses (including other buildings, not originally designed to be used as domestic dwelling homes) in to flats, back at least 150 years and possibly even further back to the time of the industrial revolution, which occurred in Great Britain during the late eighteenth and early nineteenth century.... [![Dealing with Woodworm and Dry Rot](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) ### [Dealing with Woodworm and Dry Rot](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem.... [![When Kids Leave](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/when-kids-leave/) ### [When Kids Leave](https://www.assetsure.com/homes/when-kids-leave/) When Kids Leave Home and Go to University. When children leave home, either on a permanent or semi permanent basis, some attention needs to applied to your home insurance policy. One of the first reasons, children leave home is to attend college or university, in the first year, many opt to live in the halls of residence or some will move in to a rental property with perhaps some friends. Which ever, they choose; you will need to make sure that you have adequate insurance for them.... [More News](https://assetsure.com/news) [Trustpilot](https://uk.trustpilot.com/review/assetsure.com) [ View All ](https://uk.trustpilot.com/review/assetsure.com)[ Get Quote ](#quickQuote) [Most Popular](#tabs__tabmost-popular)[Jewellery](#tabs__tabjewellery)[Leisure](#tabs__tableisure)[Collectables](#tabs__tabcollectables)[Events](#tabs__tabevents)[Hearing Aids](#tabs__tabhearing-aids)[Property](#tabs__tabhomes) [#### Engagement Ring Insurance ![Engagement Ring Insurance](/assets/uploads/images/_tabLinkThumbnail/engagement-ring-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/engagement-ring-insurance/) [#### Watch Insurance ![Watch Insurance](/assets/uploads/images/_tabLinkThumbnail/watch-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/watch-insurance/) [#### Camera Insurance ![Camera Insurance](/assets/uploads/images/_tabLinkThumbnail/camera-feature.webp)Get an instant quote](https://www.assetsure.com/leisure/camera-insurance/) [#### Home Insurance ![Home Insurance](/assets/uploads/images/_tabLinkThumbnail/home-insurance-feature.webp)Get an instant quote](https://www.assetsure.com/homes/home-insurance/) [#### Collectable Insurance ![Collectable Insurance](/assets/uploads/images/_tabLinkThumbnail/collectables-feature.webp)Get an instant quote](https://www.assetsure.com/collectables/other/) [#### Bicycle Insurance ![Bicycle Insurance](/assets/uploads/images/_tabLinkThumbnail/bike-feature.webp)Get an instant quote](https://www.assetsure.com/bicycles/bicycle-insurance/) [ All Insurances](https://www.assetsure.com/insurance/) [#### Engagement Ring Insurance ![Engagement Ring Insurance](/assets/uploads/images/_tabLinkThumbnail/engagement-ring-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/engagement-ring-insurance/) [#### Insurance for Jewellery Collections ![Insurance for Jewellery Collections](/assets/uploads/images/_tabLinkThumbnail/jewellery-collection-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/insurance-for-jewellery-collections/) [#### Watch Insurance ![Watch Insurance](/assets/uploads/images/_tabLinkThumbnail/watch-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/watch-insurance/) [#### Wedding Ring Insurance ![Wedding Ring Insurance](/assets/uploads/images/_tabLinkThumbnail/wedding-ring-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/wedding-ring-insurance/) [#### Diamond Ring Insurance ![Diamond Ring Insurance](/assets/uploads/images/_tabLinkThumbnail/diamond-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/diamond-ring-insurance/) [#### Earrings Insurance ![Earrings Insurance](/assets/uploads/images/_tabLinkThumbnail/Earing-emerald-shutterstock_1156023577-mid.jpg)Get an instant quote](https://www.assetsure.com/jewellery/earrings-insurance/) [#### Standalone Jewellery Insurance ![Standalone Jewellery Insurance](/assets/uploads/images/_tabLinkThumbnail/Standalone-Jewellery_-Shutterstock_2493208421.jpg)Get an instant quote](https://www.assetsure.com/jewellery/jewellery-insurance/) [#### Ring Insurance ![Ring Insurance](/assets/uploads/images/_tabLinkThumbnail/ring-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/ring-insurance/) [#### Rolex Watch Insurance ![Rolex Watch Insurance](/assets/uploads/images/_tabLinkThumbnail/rolex-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/rolex-insurance/) [#### Single Item Insurance ![Single Item Insurance](/assets/uploads/images/_tabLinkThumbnail/single-item-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/single-item-insurance/) [#### Safe Deposit Box Insurance ![Safe Deposit Box Insurance](/assets/uploads/images/_tabLinkThumbnail/safe-box-feature.webp)Get an instant quote](https://www.assetsure.com/jewellery/safe-deposit-box-insurance/) [ All Insurances](https://www.assetsure.com/insurance/) [#### Camera Insurance ![Camera Insurance](/assets/uploads/images/_tabLinkThumbnail/camera-feature.webp)Get an instant quote](https://www.assetsure.com/leisure/camera-insurance/) [#### Musical Instrument Insurance ![Musical Instrument Insurance](/assets/uploads/images/_tabLinkThumbnail/Guitar-thumb.webp)Get an instant quote](https://www.assetsure.com/leisure/musical-instrument-insurance/) [#### Bicycle Insurance ![Bicycle Insurance](/assets/uploads/images/_tabLinkThumbnail/bike-feature.webp)Get an instant quote](https://www.assetsure.com/bicycles/bicycle-insurance/) [ All Insurances](https://www.assetsure.com/insurance/) [#### Antique Insurance ![Antique Insurance](/assets/uploads/images/_tabLinkThumbnail/Antiques-thumb.webp)Get an instant quote](https://www.assetsure.com/collectables/antique-insurance/) [#### Coin Insurance ![Coin Insurance](/assets/uploads/images/_tabLinkThumbnail/coins-feature.webp)Get an instant quote](https://www.assetsure.com/collectables/coin-collections/) [#### Fine Art Insurance ![Fine Art Insurance](/assets/uploads/images/_tabLinkThumbnail/fine-art-feature.webp)Get an instant quote](https://www.assetsure.com/collectables/fine-art-insurance/) [#### Handbag Insurance ![Handbag Insurance](/assets/uploads/images/_tabLinkThumbnail/handbag-feature.webp)Get an instant quote](https://www.assetsure.com/collectables/handbag-insurance/) [#### Militaria & Military Collectables Insurance ![Militaria & Military Collectables Insurance](/assets/uploads/images/_tabLinkThumbnail/military-feature.webp)Get an instant quote](https://www.assetsure.com/collectables/militaria-insurance/) [#### Stamp Insurance ![Stamp Insurance](/assets/uploads/images/_tabLinkThumbnail/stamps-feature.webp)Get an instant quote](https://www.assetsure.com/collectables/stamp-collections/) [#### Wine Insurance ![Wine Insurance](/assets/uploads/images/_tabLinkThumbnail/wine-feature.webp)Get an instant quote](https://www.assetsure.com/collectables/wine-insurance/) [ All Insurances](https://www.assetsure.com/insurance/) [ All Insurances](https://www.assetsure.com/insurance/) [#### Hearing Aid Insurance ![Hearing Aid Insurance](/assets/uploads/images/_tabLinkThumbnail/hearing-aid-feature.webp)Get an instant quote](https://www.assetsure.com/hearing-aids/hearing-aid-insurance/) [ All Insurances](https://www.assetsure.com/insurance/) [#### Home Insurance ![Home Insurance](/assets/uploads/images/_tabLinkThumbnail/home-insurance-feature.webp)Get an instant quote](https://www.assetsure.com/homes/home-insurance/) [#### High Net Worth Home Insurance ![High Net Worth Home Insurance](/assets/uploads/images/_tabLinkThumbnail/High-net-worth-thumb.jpg)Get an instant quote](https://www.assetsure.com/homes/high-net-worth-home-insurance/) [#### Listed Buildings Insurance ![Listed Buildings Insurance](/assets/uploads/images/_tabLinkThumbnail/Listed-building-thumb.jpg)Get an instant quote](https://www.assetsure.com/homes/listed-buildings-insurance/) [#### Holiday Home Insurance ![Holiday Home Insurance](/assets/uploads/images/_tabLinkThumbnail/Holiday-home-thumb.jpg)Get an instant quote](https://www.assetsure.com/homes/holiday-home-cover/) [#### Buy To Let Insurance ![Buy To Let Insurance](/assets/uploads/images/_tabLinkThumbnail/Buy-to-let-thumb.jpg)Get an instant quote](https://www.assetsure.com/homes/buy-to-let-insurance/) [ All Insurances](https://www.assetsure.com/insurance/)