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Are laptops covered by home insurance?

I’m a new homeowner, and I’m taking inventory of my belongings. One of my more expensive items is my personal laptop, and I’m curious if it will be covered if anything happens to it. Will my laptop be covered by my home insurance policy?

avatar
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on your new home! It’s great that you’re taking inventory now, if you ever have to make a claim this will make the process much easier for you.
I have good news for you—standard homeowners insurance policies will cover your laptop since it falls in the personal property coverage category. If you are worried about your laptop specifically being covered, you can list it with the personal property you need to be covered under your policy.
Laptops are covered under standard
home insurance
 policies in these situations:
  • Theft
  • Vandalism
  • Natural disaster
Natural disasters that are typically covered by home insurance include fires, hail, and windstorms. However, homeowners policies typically do not cover earthquakes or floods so you may need to buy additional coverage if these situations are a concern in your area.
Ready to get your laptop and other belongings covered? Let
Jerry
 help you start saving on homeowners insurance today!
Jerry makes it quick and easy to find the most savings. It takes less than a minute for Jerry to get your information from your current insurer, and then you’ll get a list of competitive quotes from top carriers.
MORE:
What does homeowners insurance cover?
Home InsuranceHomeowners insurance
View full answer 
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