Does Renters Insurance Cover a Work Laptop?
Renters insurance protects items you own or use, which can include a laptop provided for your use by an employer. Coverage only applies to certain types of damage, named in your policy. A renters policy does not protect business data.
Covered causes of loss can include:
- Fire, lightning, and sudden and accidental damage caused by smoke
- Vandalism and malicious mischief
- Aircraft and vehicles
- Windstorm and hail
- Sudden and accidental water damage, excluding flood or seepage
- Weight of ice, snow, or sleet
- Riot and civil commotion
If you run a home-based business, you may need a business endorsement or a separate business insurance policy.
How Much Coverage Does Renters Insurance Provide for a Laptop?
Personal property coverage has a separate limit for computer equipment. The limit depends on your policy.
Can Liability Insurance Cover a Damaged Work Laptop?
The circumstances of a loss will determine how liability insurance might respond to your work laptop's damage. It's best to contact your insurance company if you believe a liability claim may be filed against you.