Germania Personal Computer Coverage

    Germania policyholders are now able to add the GFM 126A Personal Computer Endorsement to their Germania Farm Mutual Dwelling policies. The endorsement provides coverage for direct physical loss to personal computer equipment owned by an insured. (Except for PC equipment used for business purposes) The deductible for a covered loss is $100. Many policies now carry 1% deductibles in order to take advantage of the lower premiums that come with a higher deductible. However, in many cases the 1% deductible is higher than the loss of a computer due to a covered claim (exclusions apply). This endorsement lowers the deductible to $100 for the covered computer equipment for a very reasonable additional premium.