Does Renters Insurance Cover A Stolen Laptop? 
A renters policy provides limited coverage for electronic equipment , programs and recording media . That limit is reduced if the equipment is being used by a student who is living away from the primary residence . Please understand that your computer may have unique programs or data which will not be covered because it can not be replaced -LRB- photos are an example . -RRB- If your computer is normally in the insured residence but was away from the premises when the theft occurred the amount of coverage is reduced . The adjusted claim will reimburse to the electronic equipment limit the amount that exceeds the deductible on the policy . 