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Laptop insurance protects you in the event that your laptop computer is stolen, lost, or damaged. While it can be offered as a form of gadget insurance, it is also covered by many normal homes insurance plans. Laptops are covered if they are stolen or damaged as a result of a covered hazard such as fire, water, or another form of natural catastrophe.
Laptops are expensive, and it may be worthwhile to insure them, especially given their importance in our everyday lives. For example, if you are self-employed and rely on your laptop to accomplish work, your productivity would come to a halt if your laptop were to fail.
When selecting a laptop insurance plan, consider what it truly covers, policy limitations, and any coverage restrictions. To assist you in making your selection, we selected the top five laptop insurance plans based on cost, coverage, where you use your laptop, and other factors.
Top 3 Best Expensive Laptop Insurance Offers
- Asurion
- Securranty
- Upsie
Asurion Insurance :
Asurion distinguishes itself by providing a policy with either individual warranty coverage or the ability to bundle it with other equipment in your house for a cheap monthly charge.
Because of their ability to combine additional types of equipment for one monthly charge (also known as their Asurion Home+ plan), Asurion grabbed our top ranking for numerous policies. Furthermore, you may buy insurance from Amazon at the same time as you buy your new laptop. Asurion, which was founded in 1994, has offices all over the world and is highly rated by its clients.
Although it does not cover loss or theft, it does cover dangers such as power outages, cracked screens, spills, and damage from natural wear and use. Policies are distributed nationally, and if you pick the Asurion Home+ plan, you may purchase an insurance through Amazon or their website—there is no need to obtain quotations.
The Asurion Home+ plan is $24.99 per month with coverage beginning 30 days after enrollment. Individual laptop insurance policies differ, but coverage often includes slips and spills, cracked displays, and hardware failure. To make a claim, policyholders visit Asurion’s website.
| Pros | Cons |
| The majority of laptop repairs are finished within two days. | There is just one coverage option available. |
| Technical assistance is available 24 hours a day, seven days | |
| Receive email notifications regarding the claims procedure. |
Securranty Insurance :
We’ve found that Securranty has the best costs for individual coverage. Furthermore, policyholders who purchase longer periods receive a discount, and those who acquire two or more policies receive a 10% discount.
We picked Securranty as the best for affordable rates since it offers a variety of discounts, including as discounts for purchasing numerous policies. The insurer, headquartered in Houston, Texas, was founded in 2011 and is a registered insurance agency that provides extended warranties and insurance policies.
The firm provides insurance for both adults and students in K-12 settings, and its plan tiers include one for accidental damage and another for loss, conventional dangers (such as fire), and theft. Policies are accessible across the United States, and obtaining a quotation is as simple as completing out information on its web form—warning: it’s not very user-friendly—or phoning 1-832-304-2015.
The price of your coverage varies based on the model of laptop and the term of your policy—the price does not rely on the worth of your laptop, which is unusual. A one-year accidental damage policy for a new laptop, for example, costs $29.95 per year, but a five-year plan for the same coverage costs $19.95 per year.
Policyholders can file a claim online or by phoning customer support 24 hours a day, seven days a week.
| Pros | Cons |
| Offers a discount for purchasing numerous insurance. | The online buying form is frequently clumsy. |
| Protection for both new and reconditioned laptops | Individual insurance do not allow for deductible selection. |
| All models are covered. | Deductibles for secondhand and refurbished computers are greater. |
Upsie Insurance :
Upsie is one of the few firms that provides protection for used, open box, or refurbished laptops. It also has a lower deductible than other carriers who cover secondhand computers.
Upsie, a relatively new company founded in 2018, is ideal for older gadgets because it is one of the few firms that provide coverage for used and open box products. You may be eligible for coverage if your laptop was acquired within the last 60 days and has a 30-day seller warranty. The majority of laptop brands are supported.
Obtaining an insurance quote is straightforward. You’ll need to enter information such as the type of device, brand, whether it’s new or used, the purchase price, and duration of plan on their online application form. You may select a two- or three-year plan, and all plans include a $25 deductible. Screen cracks, accidental damage like as spills, and power surge damage are all covered.
Policies are available nationally, with premiums ranging from $41.37 for a two-year coverage to $321.01 for a three-year policy, depending on the cost of your laptop.
You may only make a claim by phoning customer support at 1-877-844-7745, which is available 24 hours a day, seven days a week.
| Pros | Cons |
| The number of claims is unlimited. | Waiting time of 31 days |
| Deductible is low. | Plans are only effective when the manufacturer’s warranty has expired. |
| You may get your item repaired in-person or mail it to Upsie’s approved repair facility. |
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