Does Home and Contents Insurance cover laptops?

All though there is not a policy specifically called “laptop Insurance” you may be able to cover this item for accidental damage, theft and/or loss through your Contents Insurance
Serious couple using laptop while sitting at home
*iSelect does not compare to all home and contents insurers in the market. The availability of policies may change from time to time. Not all policies made available from iSelect’s providers are compared by iSelect and due to commercial arrangements, area or availability, not all policies compared by iSelect will be available to all customers. See below for our range of home and contents insurers. Some policies are only available from iSelect’s call centre or online. Our advice on this website is of general nature and does not consider your situation or needs. Consider if any advice is appropriate for you before acting on it.

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Exactly what is covered, and to what extent, will vary between providers and policies, so it is important to read the Product Disclosure Statement of your chosen policy before making you purchasing decisions.

Is laptop insurance covered by my Home and Contents policy?

If you have a Home and Contents Insurance policy, it may already cover your laptop to a certain level. Sometimes this is included with your policy, other times it may be necessary for you to add it as a listed item. You should check your policies PDS to see what you could be covered for, like, does it cover use of your laptop outside the home? Or, what about cover if you take it overseas? If the cover is adequate for you, then insuring your laptop via an existing Home and/or Contents policy, maybe a cost-effective way of doing it.

Do I have to specify my laptop on my Contents policy?

As mentioned above, this is a question for your insurer. Check the small print of your policy for exact details.

What is ‘Portable Valuables Cover’?

If your Home and Contents policy doesn’t cover your laptop outside the home as standard, you may be able to add portable valuables to your policy. Check the limitations on this though, because if you take your laptop out of the country you may only be covered if you take out sufficient travel insurance. Be aware of any limitations the policy may have if it does insurer your laptop. You may find that it will not cover your laptop if it is stolen from an unlocked house, or vehicle.

Can adding a Laptop to your insurance policy make it more expensive?

The short answer is, it depends. As we’ve said, as part of your existing Home and Contents policy, your laptop may already be covered. Or you may have to pay more if you choose to add it to your Home and Contents, or take out a separate policy.

How do I compare different Contents Insurance policies that include cover for laptops?

The answer is in your lap. At iSelect, we work with a range of insurers and can help you compare a range of policies. You can start checking out your options online (on your laptop or phone), or, if you need a little help, call one of our friendly team members for a chat on 13 19 20.

Last update: 08/02/2022