Are legalized music downloads covered by household insurance?

Which insurers? How does it work? What about on portable devices close to Ipods or laptops?

Answers:    No, that's media content. Homeowners just covers the cost of the blank media - not the cost to recreate the information.

Keep backups. That's why backup online are such a great idea.
Nope no insurance covers pirated music, movies or software. if you can prove the purchase and your policy covers software afterwards you may be covered.

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