Does anyone have a recommendation for getting an insurance policy on the electronics (new computer, tv, printer, etc.) for accidental damage coverage? I know there is such a policy but I'm not sure if we would have to get a renters insurance policy first and have it as a rider of additional coverage or not. Any loss of the items would be covered under our homeowners policy but the deductible is almost as much $ as to replace them so I am looking to get something else that would cover for a spilled soda on the computer, etc. Thanks!