Is a laptop co-insured on contents insurance?
At the time you purchase contents insurance, you may be wondering which mobile devices are insured under it. For example, do you know if your laptop is included in your contents insurance? You can read it here.
Is my laptop insured with contents insurance?
With contents insurance, you are insured for damage to your household contents. By household contents we mean all the things you have in your home that are easy to move around. Your laptop you can take with you everywhere, and therefore falls under household contents. But is your laptop properly insured with home contents insurance? Insurers apply a number of conditions here. Basically, when your laptop suffers damage due to unforeseen and unexpected situations, the damage is almost always covered. Read about what else is covered by your contents insurance here.
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What is covered under laptop contents insurance?
The moment you have unforeseen or unexpected damage, it will be covered. But what do insurers mean by these situations? For example, you should think about: fire, theft, lightning strikes, earthquakes and other natural disasters. Note that the differences between insurers can be large. Do you want to know exactly in which cases your laptop is insured under the contents insurance? Then check your policy conditions carefully. There it is described exactly in what situations and under what circumstances the damage is compensated.
What is not covered by laptop contents insurance?
Above we described the cases when your laptop is insured in your contents insurance. But of course you also want to know in which cases damage to your laptop will not be compensated. Insurers are very clear. At the moment you show reckless behavior or it appears that you have been careless with your laptop there is no coverage. For example, if you go down the stairs with your child and laptop, you can see that this is not wise and that the risk of falling is high. In this case, the insurer will not cover the damage to your laptop.
Laptop outdoors
Regular home contents insurance offers limited coverage outside the home. You can also properly insure your mobile electronics, such as your laptop, or smartphone outside the home. For this, you can visit Alpina.nl expand the household contents insurance with the so-called outdoor coverage. In case of theft outside the home, you will be paid the damage amount. The insurance applies not only to the laptop, but also to other parts of your household contents.
Increase contents insurance with additional coverage for your laptop
As mentioned above, contents insurance provides coverage only at the time of unforeseen events such as fire and extreme weather. Do you have an expensive laptop or several laptops in your home? Then it may be wise, when taking out your home contents insurance, to insure them additionally.
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