Can I claim for a broken laptop on my house insurance?

Asked by: Tianna Ernser  |  Last update: November 13, 2025
Score: 4.6/5 (58 votes)

Standard homeowners insurance typically covers laptop or computer damage from specific perils like fire, theft, or water damage. Coverage is subject to limits and deductibles. Homeowners insurance does not cover accidental damage (like drops), user error, or issues like viruses.

Will my home insurance cover a broken laptop?

Home contents insurance typically covers theft of your laptop from your home, and loss or damage caused by certain insured events, like a fire. Including a laptop in your home insurance cover is typically cheaper than taking out a separate policy.

Does my home insurance cover laptop damage?

Do I need special laptop insurance or does that fall under home insurance? If you use your laptop for everyday personal use, it would generally be covered by your content insurance both at home and if you're temporarily away from home (for example if you go away for the weekend or on a vacation).

Does insurance cover a broken laptop?

Yes, whether you or someone else accidentally damages your laptop, unless it was through blatant neglect, insurance can typically cover it.

How to claim a laptop on home insurance?

Refer to your policy to check if it offers 'new for old' cover. This type of coverage means your laptop may be insured for the full amount it would cost to repair or replace with a new one if an insured item is stolen, damaged or destroyed by an event listed in your policy, minus your excess.

Does Homeowners Insurance Cover Broken Windows

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Are computers covered under homeowners insurance?

Most home insurance policies include coverage for personal property, which typically encompasses electronics like computers. If your computer is damaged or lost due to a covered peril, such as theft, fire, or storm damage, you can file a claim for its value.

Can I claim for my laptop?

The cost of the laptop is tax deductible:

Provided that the laptop is for business purposes only, the cost of the laptop is 100% tax deductible expense for your business.

How can I get money for my broken laptop?

musicMagpie is the best place to sell your broken laptop! You'll get paid for it and we'll recycle it responsibly - how does that sound? If your broken laptop has any of the faults listed below, we'll accept it: Non fully functional in accordance with model specifications.

What to do if my laptop is damaged?

A professional computer technician needs to be on hand for this kind of damage. When damage is particularly extensive, the whole screen may need replacement. That said, some screen issues can be fixed at home, like a flickering screen. It can indicate a laptop screen not working properly.

Does liability insurance cover laptop damage?

A brief guide to laptop insurance

Your private liability insurance covers damage you accidentally cause to a device that you don't own.

Are electronics covered under home insurance?

While most homeowners and renters insurance policies offer financial protection for your electronics, there may be cases where you'll want to consider supplemental insurance, whether that's for high-value items or a policy that is specific to your electronics that covers more perils than just those named in a ...

Does home insurance cover damaged items?

Your home insurance may cover: damage or loss to your home. damage, theft or loss of your personal possessions. personal property stolen from your vehicle.

What home repairs does most insurance cover?

The most common appliances and systems covered by home repair insurance include clothes washers and dryers, ovens and stovetops, refrigerators, water heaters, air conditioning, sewer, and plumbing lines, and electrical systems.

Is it worth getting accidental damage cover on home insurance?

If the cost of an accident would be relatively small, you may not need to take out accidental damage cover. In contrast, given that the impact of accidents can be quite expensive, having that extra reassurance in your corner could save you money if something goes wrong.

Is there insurance for laptop?

The laptop itself depreciates every year, and hence it does not always make sense to pay for a new screen. Laptop insurance can save you in this situation and cover the screen repair or replacement costs.

Does house insurance cover items?

Home and contents insurance covers your house and other structures on your property as well as your belongings for loss or damage due to events like fire, theft and storms.

What should I do with a broken laptop?

What to Do With Your Old Laptop
  1. Sell It. Believe it or not, there's a robust market for old tech. ...
  2. Recycle It. For those who don't have the time to list used electronics, don't fret; many municipalities schedule collection days year-round. ...
  3. Donate It. ...
  4. Gift It.

How do I write a letter to replace a damaged laptop?

I never expected this to happen from a company which I Truly trust like yours. I want you to replace this product with a new and better one with a standard delivery. I want the product in 2 to 3 days or your company would be reported. Hoping for a positive response from your side.

Are broken laptops worth anything?

Quick Answer. You can definitely sell a broken laptop, with potential values ranging from $20-$300+ depending on the model, age, and type of damage. Even laptops that won't power on often have valuable components that buyers want.

Is it possible to get a free laptop?

There are free computers for low-income families available from many organizations across the US. These computers can provide the connections you need to apply for jobs, get to food resources, and give your children more equitable access to resources, especially education.

Can you get money for old broken laptops?

You can earn money for your broken or damaged laptop within 48 hours of sending it to our facility. We buy all major laptop brands, from Acer and Apple to Toshiba and Sony. Even if your laptop no longer works, we may be able to salvage working parts and offer a fair, competitive price for your computer.

How much of my laptop can I claim?

If your computer cost less than $300, you can claim an immediate deduction for the full cost of the item. If your computer cost more than $300, you can claim the depreciation over the life of the equipment. For laptops this is typically two years and for desktops, typically four years.

What house expenses are tax deductible?

Deductible house-related expenses

The costs the homeowner can deduct are: State and local real estate taxes, subject to the $10,000 limit. Home mortgage interest, within the allowed limits.

How much rent can I deduct for a home office?

The IRS offers a simplified home office deduction for those who prefer a simplified approach. Instead of calculating actual expenses, you can use a standard deduction based on the square footage of your home office. As of the last update in 2022, the rate is $5 per square foot, up to a maximum of 300 square feet.