Don’t know if this is the right spot to ask this question….I just bought an awesome macbook and it’s like my baby! I have a warranty for it, but I would like to know how I can get it insured. I’m a freelance graphic designer and my job depends on it. I’m only renting my condo and I don’t have any other insurance or benefits.
Question
Can I insure my laptop?
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Unfortunately, unless the product manufacturer offers some type of extended warranty that will cover theft, loss, etc. you cannot insure an individual item (such as a macbook) by itself with a standalone property insurance policy.
However, if you were to get a tenant’s property insurance policy (which you should probably have anyway) most insurance companies will allow you to insure your laptop as a floater. They would charge a separate premium to insure it and usually need a receipt showing its value. This floater usually costs between $2 - $4 per $100 of insurance. For example, a $2000 laptop would cost around $40 - $80 to insure per year, on top of the policy’s regular premium.
Hope that helps!
Sean Graham, Principal Broker at KTX Insurance Brokers.
Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person’s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.