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Laptop insurance protects laptops and peripherals from accidental damage and theft. Policies vary on what is covered, so it’s important to check deductibles, coverage areas, and restrictions. It’s also important to know what is required for a payout and if temporary replacement laptops are available.
Laptop Insurance is a special type of insurance that is meant to protect your laptop and associated peripherals should something go wrong. This includes printers and, depending on your insurance, could include other external components and software applications. Most insurance companies have very strict policies on what is and isn’t covered in laptop insurance.
For example, the insurance company will pay for the total loss due to accidental damage. If your laptop was stolen from your locked car, that means your insurance should cover it. However, if your car had been unlocked at the time it was stolen, it would not have been covered. Accidental damage means you did what you could to protect your laptop, but it was still damaged.
Other things that aren’t covered by the insurance include viruses, gradual failure of your laptop, damage you inflict on your laptop, or the loss of your laptop because it was left in a particular place. If you buy insurance for your laptop, it is generally assumed that you are a responsible laptop user and hope to be protected from the unknown.
If laptop insurance sounds like something you need, you should be hesitant before jumping right in and choosing a company to insure your laptop. There are many things you need to consider to make sure you get what you pay for. First, as with any insurance, you need to determine your deductible. If your laptop was inexpensive and your deductible for your insurance is high, it may not be worth getting insurance at all.
Next you should determine which peripherals are considered by the insurance agency. Will your laptop insurance cover everything you use on your laptop, or are only certain items covered? If you travel, you need to find out if there is a particular area of coverage for your active laptop insurance. Is your insurance active at home and at school or if you take it on trips? Even if you have worldwide coverage, you should find out where your laptop is covered for theft. If it’s covered by a locked car but not an unlocked one, what are the restrictions in homes and other areas?
Every insurance company is different, so you need to check their policies before choosing the right one for you. Pay particular attention to the information relating to complaints. What do you need to prove to receive a payment from your insurance company? Do you just need a receipt or is a serial number required? If the laptop has been damaged and needs repair, do they have a list of acceptable service centers or do you have the option to choose your own? Also, will you get a replacement laptop until yours is fixed?
Some of these questions may seem pointless before you buy your laptop insurance, but when it comes time to cash out you’ll be glad you asked for and chose the perfect insurance to fit your needs.
