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Is damage to a laptop computer covered by homeowners insurance?
Wiki User
∙ 14y ago
If the laptop is scheduled property on your homeowners policy it will naturally be covered. If you do not have scheduled contents coverage then there may be no coverage for it. A quick call to your insurance agent could get you the answer.
AnswerIf the laptop is used for business purposes, there may be exclusions or limitations under your policy. Also, it must be damage by a "covered cause of loss" as described in your policy. If it is not used in business and was damaged by a covered cause as described in your policy, then coverage would likely be afforded as personal property, subject to your policy deductible and depreciation if you do not have "personal property replacement cost coverage."
Wiki User
∙ 14y ago
Wiki User
∙ 14y agoYour computer should fall under the contents section of your homeowners insurance policy where you should have listed it as a valuable that you want covered. If it is listed in your policy then you should have no problem filing a successful claim but if it is not then you may run into problems.
Wiki User
∙ 13y agodepends on cause of damage? would be subject to deductible. unless really expensive laptop (current day cost) wouldn't recommend putting in a claim
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Homeowners Insurance?
form_title=Homeowners Insurance form_header=Protect one of your most important assets with homeowners insurance. Get the homeowners coverage options to suit your life. Do you already own homeowners insurance?= () Yes () No Does your current homeowners insurance cover flood damage?= () Yes () No () Don't have homeowners insurance Are individual items in your house, such as your TV, covered by homeowners insurance?= () Yes () No () Not Applicable Are you looking to get homeowners insurance or update your current insurance?= () Get Insurance () Update Insurance
