Are legal music downloads covered by household insurance?

Question

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

Answer 1

No, that's media content.  Homeowners only covers the cost of the blank media - not the cost to rebuild the information.  

Keep backups.  That's why backups online are such a great idea.

Answer 2

Nope no insurance covers pirated music, movies or software.

Answer 3

if you can prove the purchase and your policy covers software then you may be covered.