Your computer's standard warranty is likely good for manufacturer defects, but Progressive's Phone and Electronic Device Insurance by Worth Ave. Group may cover what your warranty can't.
Liquid spills, power surges by lightning, cracked screens, theft — everyday mishaps could send your computer to the electronic graveyard long before its time. And repairs can be expensive — according to Worth Ave. Group, the average laptop repair claim payout is $624.60. Protect your investment with computer insurance.
What computer insurance covers
A stand-alone computer insurance policy through Progressive includes coverage for perils (laptop theft, vandalism, fire damage, and more) and unexpected accidents such as:
- Water damage (including liquid spills and submersion)
- Damage from dropping or stepping on your laptop
- Power surges due to lightning
While your renters insurance or homeowners insurance may also cover your laptop against perils, it can't cover the personal accidents computer insurance can.
What laptop insurance doesn't cover
Laptop insurance doesn't cover everything. Some exclusions are:
- Computer viruses
- Wear and tear or corrosion
- Software issues
- Blatant neglect
Why choose Progressive for laptop insurance?
Phone and electronic device insurance through Progressive protects you from computer theft and various types of accidental damage, including liquid spills and cracked screens. New computers and used or refurbished models can also be covered. You can purchase computer or laptop coverage at any time, and claim submissions are unlimited.
Other types of electronics you can insure through Progressive
Along with laptop insurance, you can also insure other electronic devices through us, such as smartphones, tablets, cameras, and gaming systems. Get a quote today for a 5% discount.
Common questions about computer and laptop insurance
I already have a warranty for my computer. Do I need insurance too?
Warranties only cover specific problems — typically issues with the hardware or software that are out of your control. Unfortunately, you're out of luck if your laptop gets stolen or accidentally damaged. Insurance for laptops will cover things a warranty typically wouldn't, plus a lot more.
Will laptop insurance cover repair costs if someone else damages my computer?
Yes, whether you or someone else accidentally damages your laptop, unless it was through blatant neglect, insurance can typically cover it. For example, if your nephew accidentally spills a glass of milk on your keyboard, laptop insurance will cover the repair.
How much does laptop insurance cost?
The cost of computer insurance varies by company and the amount of coverage you need. Pricier computers will cost more to insure. Computer insurance policies through Progressive range from one to three years and have deductibles starting at $50. Compare this to other laptop insurers' plans.
Can I insure other electronic devices along with my laptop?
Yes, you can insure several other electronic devices through us. In addition to computers, insurance plans are available for a range of electronic devices, including iPhones and other smartphones, iPads and tablets, e-readers, iPods, gaming consoles, and cameras.
FAQs
Some of the cases not covered under this plan in India are: Damage done due to war or risks related to war, terrorism, etc. Wilful acts or negligence of the insured or his/her representative using the laptop machine. Pre-existing faults or defects in general.
Will insurance cover a broken laptop? ›
Here's some good news: renter's insurance and homeowners insurance cover your laptop, and everything else you own. So your laptop is covered for the 'perils' listed in your policy: that's insurance-speak for bad things that could happen, like vandalism, theft, and fire.
Can I claim a broken laptop on home insurance? ›
Your home insurance will cover laptop damage as long as it's caused by a covered peril. When it comes to electronics, lightning is often the culprit. Power surges caused by lightning can destroy television sets, computers, gaming systems, even doorbells.
Is water damage to a laptop covered by insurance? ›
While a warranty is a form of limited protection that comes with the purchase of equipment and covers issues such as manufacturer's defects, it does not typically cover theft or accidental damage. Laptop insurance protects against a variety of damages including cracked screens, spills, liquid submersion, and drops.
What is an example of accidental damage to a laptop? ›
Examples of accidental damage include: liquid spilled on or in unit, drops, falls and other similar impact, electrical surge, damaged or broken LCD, accidental breakage (multiple pieces).
What accidental damage does not cover? ›
It doesn't include damage that's due to a lack of upkeep or that happens slowly over time. For example, if your roof leaks because it hasn't been looked after. Check your cover to see if Accidental damage is included, as you may need to pay a little more to add it on.
Is it worth getting insurance on a laptop? ›
You know best whether you'd benefit from having your devices protected by insurance. But if you have cover and something goes wrong with your laptop, then insurance can help reassure you that you won't be without it for longer than is necessary.
Can I insure my laptop against theft? ›
Insuring your laptop
Laptop cover is usually sold as a specific type of gadget insurance, but sometimes you can get cover as part of your house insurance instead. Every policy is different, but you'll usually be able to get cover for a whole host of events. Things like accidental damage and theft.
How much can you claim on a laptop? ›
If your computer cost less than $300, you can claim an immediate deduction for the full cost of the item. If your computer cost more than $300, you can claim the depreciation over the life of the equipment. For laptops this is typically two years and for desktops, typically four years.
How much does it cost to fix a spill on a laptop? ›
Prices
| Viruses, malware, adware, fake antivirus, annoying software removal | £50-60 |
|---|
| Repairs after water spillage – replacing parts only | £60-£80 + parts |
| User/Administrator password reset | £40 |
| Poor / No battery charging / Laptop doesn't turn on / Power issues | £60 + parts |
| Upgrade desktop PC and laptop computers | £30-£60 + parts |
11 more rowsYes! Standard homeowners insurance policies do cover laptops, as they're considered personal property.
Does the warranty cover spills? ›
Spills. As with water damage, spilling liquid on your electronics is a common issue that is not commonly covered by a manufacturer' warranty. While water damage is typically what we think of when it come to spills, liquids like juice, coffee, soda, and more can also cause real damage.
What does the laptop warranty not cover? ›
Manufacturer's warranties don't typically cover issues beyond those that are directly related to defects. Lenovo's warranty language provides a detailed look at what these types of plans don't cover. Examples include damage caused by an accident or issues caused by the use of third-party products or software.
Can I claim accidental damage to laptop? ›
While there's no such thing as 'laptop insurance' on its own, you might be able to cover your laptop for accidental damage, theft, and loss through your Contents Insurance. Some Home and Contents Insurance policies will automatically cover your laptop, while others might require you to add it as a listed item.
What damage is not covered by warranty? ›
A description of damage not covered by the warranty is provided on the The most frequent causes for exclusion of liability under the warranty include: moisture or liquid penetration, mechanical damage — i.e. damage to the device as a result of a fall, impact, etc.
