Laptop contents insurance: here's how it works
You use your laptop every day for work, study or leisure. But what if your laptop is damaged or stolen? With home contents insurance with additional coverage for mobile electronics, your laptop is insured against unforeseen damage in your home, such as fire, water damage, theft and drop or impact damage.
When contents insurance pays for damage to your laptop
With contents insurance, your belongings in your home are insured against damage from unforeseen events, such as fire or water damage. Contents include all the things in your home that you can easily move around.
For damage to your laptop, you need the mobile electronics supplemental coverage. This coverage protects cell phones, smartphones, laptops and tablets from damage that occurs in the home.
Examples of situations where damage is insured:
- The laptop falls or gets bumped in the house.
- Fire damage occurs.
- Water damage occurs, such as from a leak or toppled glass of drink.
- The laptop is stolen in a burglary.
In these cases, the claim amount is paid based on the current or new-for-old value of your laptop. The amount of compensation depends on the policy terms and the age of the device.
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Damage not covered by laptop contents insurance
Not every damage to your laptop will be covered. For example, if you behave recklessly or use the laptop incorrectly, there is no coverage.
No reimbursement you get at:
- Reckless behavior: for example, walking down the stairs with your laptop in your hand.
- Normal use: this does not include wear or minor scratches.
- Loss: if you lose your laptop, it will not be reimbursed.
Insurers have clear rules for this. Always read the policy conditions carefully so you know when your laptop is and is not insured.
Additional coverages: insuring your laptop away from home
You often take your laptop outside your home: to work, study or on vacation. Regular home contents insurance only provides coverage inside your home. Do you also want to be insured outside in case of damage to your laptop or other mobile electronics? Then you can extend your household contents insurance with additional coverage.
The most frequently chosen option is the outdoor mobile electronics coverage. With this, your laptop is properly insured outdoors against damage, loss or theft. This coverage applies not only to your laptop, but also to other mobile devices such as your phone, tablet or headphones.
This additional coverage also covers damage outside your home, such as:
- Theft on a terrace, on the train or in the office.
- Fall or impact damage while traveling or on the road.
- Unexpected damage from an outdoor accident.
When additional coverage is smart
Extending contents insurance with this additional coverage is especially smart if:
- You are often on the go with your laptop or other mobile electronics.
- You have an expensive laptop or want to insure multiple devices.
- You want the claim amount paid even if the insurance applies outside your home.
Out-of-home coverage applies in most cases throughout the Netherlands and sometimes even abroad, this varies by insurer. This keeps your laptop well insured wherever you are.
Damage to your laptop: what you'll be reimbursed for
If your laptop is damaged, the damage will be compensated based on the policy terms. Often the insurer will look at the current market value of the laptop. If the daily value is still high enough, you will receive the new value or the cost of repair.
The final damage amount depends on:
- The age of your laptop.
- The type of coverage you chose.
- Your deductible, if any.
Do you have damage? Then you can easily report it through your insurer. They will assess the damage and pay out the claim amount if it is covered.
Tips for keeping your laptop properly insured
- Check regularly to see if your laptop still fits within the maximum claim amount paid out.
- Got a new laptop? Compare household insurance policies so you're properly insured and don't overpay.
- Always read your insurance policy terms and conditions.
- Avoid reckless behavior, as it may result in no reimbursement.
- Consider travel insurance if you want to insure your laptop abroad as well.
Frequently asked questions about laptop contents insurance
Is my laptop insured by default through home contents insurance?
No. Standard home contents insurance covers damage to your belongings in the home, but not to mobile devices such as laptops, iPads or smartphones.
For damage to a laptop, you need the additional coverage for mobile electronics. This extension covers damage caused by fire, water damage, theft and fall or impact damage in the home. The exact coverage varies by insurer, so always check your policy conditions.
In addition, if you want to be insured outside the home, you need out-of-home coverage.
What exactly does household contents insurance cover with mobile electronics?
Contents insurance with additional coverage for mobile electronics compensates for damage to cell phones, smartphones, laptops and tablets that occurs in the home. Think of damage caused by falling or bumping, fire, water damage or theft during a burglary.
Compensation is usually based on the daily value or new value of the device, depending on the policy terms and the age of the device.
Is theft of my laptop outside the home also covered?
Theft outside the home is usually not covered by standard contents insurance. For this, you often need an additional out-of-home coverage. Always check your policy to see if this additional coverage is included.
Do I need additional coverage for my laptop?
Yes, for damage to your laptop, you need the additional coverage for mobile electronics, even if the damage occurs indoors.
With this extension, your laptop is insured for damage caused, for example, by fire, water damage, theft or a fall in the house. If you often use your laptop outdoors as well, then outdoor coverage is recommended.
How does compensation for a broken laptop work?
Compensation depends on the policy and the daily value of the laptop. Insurers usually pay an amount based on depreciation. Newer laptops are sometimes fully reimbursed. Always check the terms and conditions to see exactly how things work.
Does contents insurance also apply to a business laptop?
A business laptop is usually not covered by private household insurance. This requires business insurance unless you have explicit permission from the insurer to co-insure it.
Read more about contents insurance
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