Does Home Insurance Cover Laptop Damage? 
It depends on your home policy , and what happened to the laptop . Your home policy protects your property against certain risks . If your laptop was stolen you may have coverage , but if you dropped it or spilled a drink on it that would not be covered on your home policy . In most cases though , your deductible is going to exceed the value of the laptop regardless of what caused the loss . Furthermore , you should try and protect your loss history . If your decuctible is $ 1,000 and it costs $ 1,200 to replace the laptop , your compensation will only be $ 200 . This may not be worth filing the claim as you may lose discounts for a clean loss history and the increased cost of insurance may not be worth it . 