Can i claim a broken Laptop on my Homeowners insurance?

5 Comments

1. Judy says:

   January 25, 2009 at 9:42 am

   Nope, sorry. You can’t claim something you broke yourself.
2. RAY says:

   January 28, 2009 at 1:36 pm

   If you have accidental damage cover you may be able to.

   Depending on the value of the laptop you may also have had to list it as a specified item.

   You need to check your schedule/policy
3. debijs says:

   January 30, 2009 at 6:49 am

   ~~Not to my knowledge, but of course some policies may have this benefit. I have never heard of any though.

   If you paid for it on a credit card, check the benefits on the card. Allot of cards give you this type of coverage for a certain time period.~~
4. Tom Z says:

   January 30, 2009 at 4:37 pm

   No, under the standard HO-3 contract that most people have your computer is not covered for accidental breakage.

   However, you might have coverage (subject to a deductible) if you purchased the more expensive HO-5 form (very few people opt for that form due to the higher cost).

   The other possibility is if you scheduled your computer, all companies offer a special endorsement to cover personal computers. If you purchased that coverage the computer could be covered for breakage.

   Only way to be sure is to call your agent.
5. KATHLEEN P says:

   February 2, 2009 at 11:48 pm

   based upon your situation,I think you should find something useful here .