You spent a lot of money on your laptop or you may be planning on buying a laptop. Regardless if you own one or plan on buying one, you should get laptop insurance. Before you do, you should know what does laptop insurance cover and how it works and if you should get it.
1. What Does Laptop Insurance Cover- Generally speaking, laptop insurance will usually cover damage that isn’t the result of your recklessness. For example, if you were using your laptop in a way that an average person wouldn’t use it and it becomes damaged, then the insurance company probably won’t cover it. However, if it becomes damaged accidentally, such as the screen cracked or it suffered liquid damage, then you may be able to get it repaired or replaced by the insurance company. Before you buy insurance, just read the policy because it may give you examples of what the company covers and what they don’t cover.
Believe it or not, sometimes laptops can become ruined due to a natural disaster, such as an earthquake or some other weather phenomenon. For example, if your laptop becomes severely damaged as a result of a natural disaster, then the chances are you can submit a claim and the insurance company will approve it. If you do a lot of travelling, then you may visit areas that are known to be struck by natural disasters often, and this is why you should get insurance.
Fire and flood protection may be part of the policy, which means if your laptop is involved in a fire and cannot be used anymore or if it doesn’t function properly, then you can file a claim. The same goes if your laptop got caught in a flood, and flooding can happen in many areas and without warning. The same goes for fires, which is why getting insurance for your laptop is worth considering. Nobody wants to lose their laptop to a fire or flood, so if you’re concerned about flooding and fires, then get laptop insurance and give yourself peace of mind knowing that if something happens, your laptop will be covered.
Theft and loss are other things the insurance usually covers, and it doesn’t matter how careful you are, you never know if someone is going to steal your laptop or if you’re going to lose it. All it takes is one time for someone to catch you off-guard, and if they steal your laptop, then you can get a replacement if you have insurance. However, if you are not covered, then you will have to buy a brand new laptop, which could end up costing you a lot of money. The same goes if you lose your laptop, which is actually easy to do, especially if you’re a busy person and you’re always on the go.
2. How It Works– Laptop insurance works like car insurance and any other kind of insurance. If you need to file a claim, then you do it with the company your laptop is insured with. Once your claim has been accepted, the company will replace your laptop or provide you with another one, but whether it gets replaced or fixed depends on your policy. This is why it’s important to choose a good policy that clearly stats what your laptop is covered for.
3. Should You Get It– Laptops cost a lot of money and even the most durable ones are prone to becoming damaged or breaking due to no fault of your own. This is why you should get it, especially if you bring your laptop with you wherever you go. The more you use your laptop and the more you bring it with you, the more of a chance something will go wrong with it or someone will steal it. If you want to save yourself a lot of stress, then buying laptop insurance is in your best interest.
A lot of people wonder what does laptop insurance cover, and now you know. You can now decide if you should get it or not. However, it does come in handy and you never know when you may need it, so it’s a good idea to purchase laptop insurance as soon as possible.