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
  • Explosion
  • Theft
  • 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.

The Increased Special Limits endorsement can provide higher coverage. If you are interested in higher limits for specific personal property, read about NJM’s Increased Special Limits endorsement.

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.

The information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.