Does Home and Contents Insurance cover laptops?

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Updated 20/02/2024
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Written by

Liv Steigrad

Updated 20/02/2024

What changed?

Added footnote, new table, new links
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Find out more about how we make money.

View our Privacy Policy.

Compare home and contents insurance the easy way

Save time and effort by comparing a range of home and contents insurance policies with iSelect

How can I insure my laptop?
What is Portable Contents Insurance?
How much can I insure my laptop for?
Are there any exclusions or limitations?
How do I make a claim for a lost or stolen laptop?
Where can I compare Contents Insurance?

How can I insure my laptop? 

While there’s no such thing as ‘laptop insurance’ on its own, you might be able to cover your laptop for accidental damage, theft, and loss through your Contents Insurance. Some Home and Contents Insurance policies will automatically cover your laptop, while others might require you to add it as a listed item. 

If it is covered, make sure you check your Product Disclosure Statement (PDS) for more details. Does it cover your laptop when it’s outside your home? What about when you’re travelling overseas? 

If the cover provided by your existing Contents Insurance is enough for you, it can be a very cost-effective way of protecting it. If not, you might want to consider Portable Contents Insurance. 

What is Portable Contents Insurance? 

If your Home and Contents Policy only covers your laptop while it’s in your home but you want to protect it while you’re out and about, you might be able to add portable valuables to your policy. 

Portable Contents Insurance is a type of policy that covers your items that are used outside of your home. Make sure you read the PDS carefully. These policies usually cover theft and damage but may not cover loss or mechanical damage. It also might not cover your laptop if it gets stolen from an unlocked house or vehicle and there may also be limitations around cover overseas. 

If you upgrade or get a new laptop and want to make sure it’s still covered, you may need to let your provider know the details of your new laptop and decide if you’re happy with your current level of insurance or if you’d like to increase your cover. 

How much can I insure my laptop for? 

How much you can insure your laptop for depends on how much you’re willing to pay for your premiums, but you should technically be able to insure your laptop for up to its full replacement value. 

If you add it on to your Contents Insurance as an additional item, your additional premium will depend on the value of your laptop. Likewise, if you go for Portable Contents Insurance, the price will directly depend on the cost of replacing your laptop. 

Some policies will give you the option of a package cover which will include a set amount for each item (for example $1,000), or a customised cover which allows you to nominate the replacement value of specific items. 

Are there any exclusions or limitations? 

All insurance policies have some kinds of exclusions and limitations. Always check your policy details carefully. 

As a general rule, your laptop insurance might not cover:  
Accidents and water damage  Theft from an unlocked car or when left in a public place  
Deterioration from normal wear and tear  Product flaws  
Restoration of electronic records or files  Devices primarily used for your business  

Whether you go for the Contents Insurance or the Portable Contents Insurance option, make sure that the value you’re insuring your laptop for includes the charger. 

While other equipment isn’t automatically included in your ‘laptop insurance’, Portable Contents Insurance can be used to cover other types of portable equipment, like hard drives, monitors, and cameras. 

If you have specific items you want protected, it’s always a good idea either to list them specifically and insure them for a certain amount (which will increase your premiums), or make sure the overall sum you’re insured for is enough to replace all your valuable items. 

How do I make a claim for a lost or stolen laptop? 

If your laptop does get lost or stolen, making a claim should be a simple process regardless of whether it’s covered under your Home and Contents Insurance or under a Portable Contents Policy. 

Each insurance provider will have their own processes, but you’ll likely have to fill out a form online with all the details of the incident and usually proof of ownership. You may also be able to make a claim over the phone. 

Where can I compare Contents Insurance? 

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

Get started on comparing home and contents today!

Save time and effort by comparing a range of home and contents insurance policies with iSelect

iSelect does not compare all home and contents insurers or policies in the market. The availability of policies may change from time to time. Not all policies 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. Some policies are only available from iSelect’s call centre or website. A number of our participating general insurance brands are arranged by Auto & General Services Pty Ltd ACN 003 617 909 on behalf of Auto & General Insurance Company Limited 111 586 353, both of which are related entities of iSelect Limited. Our relationship with those companies does not impact the integrity of our comparison service. Click here to view iSelect’s range of providers.

iSelect General Pty Ltd ABN 90 131 798 126, AFS Licence Number 334115. Any advice provided by iSelect on this website is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect’s  Financial Services Guide  which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold that is a percentage of the premium or a flat fee. Ask us for more details before we provide you with any services.