Illegal Music Downloads and Your Homeowners Insurance

Bill Wilson of the Independent Insurance Agents and Brokers of America recently published an interesting article on the issue of illegal music downloads and personal insurance coverage.

Bill’s Article Here – But only for a few weeks

The key point of the article… Most people pirating music and software know that they are violating copyright laws. Therefore, as an intentional, illegal act, the homeowners (and most personal umbrella policies) will exclude coverage.

If your kids are downloading pirated music, and they get caught and fined, your personal insurance isn’t going to step in to help you.