Personal computers have become an extension of daily life. People spend a lot of time on their laptops, and they take their notebooks with them almost everywhere they go. If you, like many people, use your laptop outside of your home, make sure it’s insured anywhere you take it. If you rent an apartment in Pismo Beach, CA, you may be able to find a renters insurance policy that will insure your laptop.
Some Renters Insurance Policies Insure Laptops
Coverage for your laptop would fall under the personal property coverage section of a renters insurance policy. This coverage is a mainstay of most renters insurance policies, but many policies have exclusions, conditions and limitations that amend their coverage of electronics, including laptops.
If you’re looking for a renters insurance policy that will protect your laptop, first check the personal property coverage exclusions and limits of each policy you’re considering. You’ll want a policy that doesn’t exclude your notebook, and one that has limits higher than your computer’s full value.
Additionally, you may want a policy that provides worldwide coverage for your laptop and other belongings. Worldwide coverage isn’t available in all renters insurance policies, but some offer it. Those that do will detail precisely what the coverage includes. In general, worldwide coverage is intended to provide protection wherever the covered item is in the world. If you have a policy that covers your laptop with worldwide coverage, your computer may be protected when it’s:
- in your car overnight
- on a coffee shop table while you’re in the restroom
- in a hotel room while you’re at the hotel’s pool
Our Agents Can Help You Find Worldwide Coverage
If you’d like help finding a renters policy that provides worldwide coverage for your laptop, contact us at Neff & Associates Insurance Services, Inc. We have independent insurance agents who can help you find a policy that includes the coverage you need for your computer. Contact us through our website or give us a call to speak with one of our agents today.