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Is a laptop covered under home insurance?

I got home last night and discovered someone had broken my window. My laptop is missing and I’m stressed. I have a homeowners insurance policy, so I’m wondering if that would help. Will a laptop be covered under home insurance?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear that happened! While it’s incredibly unfortunate, your laptop should be covered under your home insurance.
Home insurance
policies contain something called Coverage C or personal property coverage.
Personal property coverage protects your personal items from the covered perils in your policy. Theft is a covered peril, so you should be able to submit a claim to your insurance. For home insurance, personal property is paid out in
actual cash value
, meaning that you’ll receive the cost of your laptop minus depreciation.
To confirm your coverage and submit a claim, you’ll want to contact your home insurance company as soon as possible. They’ll likely require pictures, a police report, and your laptop’s details.
If you’re unhappy with your policy or want to explore your options once your claim is closed, consider using
Jerry
. The Jerry app collects quotes from top insurance companies like Nationwide and Travelers in seconds. They even help cancel your old policy once you’ve made your pick.
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