Does household insurance cover damage to a laptop?
When purchasing contents insurance, you may be wondering what mobile devices are covered. For example, do you know if your laptop is included in your contents insurance? You can read about 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, if your laptop suffers damage due to unforeseen and unexpected circumstances, the damage is almost always covered. Read about what else is covered under your contents insurance here.
What is covered under laptop contents insurance?
The moment you have unforeseen or unexpected damage, it is covered. Examples include: fire, theft, lightning, earthquakes and other natural disasters. The differences in coverage between insurers can be large. Do you want to know exactly in which cases your laptop is insured with home contents insurance? Then read the 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?
In the above cases, your laptop is insured with contents insurance. Of course, you also want to know in which cases damage to your laptop will not be compensated. Insurers are very clear about this. At the moment you show reckless behavior or when it appears that you have been careless with your laptop, there is no coverage. For example, the moment you walk down the stairs with a child and your laptop, you can figure out that this is not wise and the risk of falling is significantly high. Therefore, in this case, the insurer will not cover the damage to your laptop.
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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. This insurance also applies to other parts of your household contents, not just your laptop.
Extend contents insurance
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? If so, it may be wise to include them in your home contents insurance policy.
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