Is a laptop also insured on the contents insurance?
When you take out household contents insurance, you may wonder which mobile devices are insured under this policy. For example, do you know if your laptop is included in your household contents insurance? You can read it here.
What does laptop contents insurance cover?
The moment you have unforeseen or unexpected damage, it is covered. But what do insurers mean by these situations? You have to think about: fire, theft, lightning strike, earthquakes and other natural disasters. Mind you, the differences between insurers can be considerable. Do you want to know exactly in which cases your laptop is insured under the contents insurance? Then please check your policy conditions. There you will find exactly in which situations and under which circumstances the damage will be compensated.
What is not covered by the laptop contents insurance?
Above we described the cases in which your laptop is insured under your home contents insurance. But you would also like to know in which cases damage to your laptop is not covered. Insurers are very clear about this. The moment you show reckless behaviour or that you are careless with your laptop, there is no coverage. For example, the moment you go down the stairs with your child and your laptop, you can see that this is not wise and that the risk of falling is high. In this case, the insurer will not compensate the damage to your laptop.
The regular home contents insurance offers only limited coverage outside the home. You can insure your mobile electronics, such as your laptop or smartphone, outside your home. For this you can extend your household contents insurance with the so-called out-of-home coverage. In case of theft outside the home the damage amount will be paid. The insurance does not only cover the laptop, but also other parts of your household effects.
Home contents insurance with extra coverage for your laptop
As mentioned above, home contents insurance only provides cover in the event of unforeseen events such as fire and extreme weather conditions. Do you have an expensive laptop or several laptops in your home? Then it may be wise to include these in your household contents insurance.
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