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Is Safeware Good?

C

ColdFlame87

macrumors regular
Original poster
Jul 23, 2004
175
0
Woodland Hills, CA
Hello, everyone i recently ordered a brand new C2D MBP :) . Im going to be taking this computer to school 2-3 times a week and the Apple care does not cover accidental damage In case i drop it. Ive heard from a few people here that a good alternative is Safeware Insurance http://www.safeware.com/ and was wondering what everyones experiences were who have got it either good or bad. Is it a good alternative to applecare to protect against accidents and theft and what can I expect to pay. Any answer would be appreciated
 
Safeware's customer service is about like any other insurance company. However, I was a customer for several years before I filed a claim. Once I filed that claim, they paid it within a month ... then dropped me. :rolleyes:
 
I've been with them for nearly 4 years, with several different laptops. I've filed one claim on a Dell laptop where I dropped it and broke the screen. The computer had to be sent to them and it took about a month before I got it back (but that was when parts were in short supply for this particular model). I wasn't dropped and my premiums didn't change.

FWIW, I pay about $120/year to insure a $2200 MBP (included RAM upgrade).
 
Where do you live? If at home, do your parents have homeowners insurance? Your laptop should already be covered, if so.
 
JAT said:
Where do you live? If at home, do your parents have homeowners insurance? Your laptop should already be covered, if so.
Click to expand...

I live in a rented apartment with a few friends so unfortunately im not covered with homeowners insurance.
 
Word of advice, get renter's insurance. It's cheap.. maybe $120 a year. All you need is to get robbed once and you'll wish you had it. Trust me. :(
 
ColdFlame87 said:
I live in a rented apartment with a few friends so unfortunately im not covered with homeowners insurance.
Click to expand...

what about renters insurance? a little more expensive than home owners but covers most of your stuff against theft/ accidents etc.
 
ColdFlame87 said:
I dint even know that excisted do you know were i may find a company that offers this?
Click to expand...

Just about any company that offers homeowner's insurance also offers renter's insurance. I get mine through AAA...it does run about $260/year for us.
 
As mentioned in this thread, if you are renting or have a home, purchasing insurance from a company and adding a special rider for your notebook computer is the best way to go.

In my case, State Farm's renter's insurance policy ran $120 for the year. This covers everything in my home against theft or fire damage. I then added a special rider for the MB for $30 per year with no deductible. I haven't had to file a claim (fortunately) but up front it seems like a better deal.

To clarify: homeowner's or renter's insurance covers your notebook in cases of theft and is subject to your deductible. The special rider added to the policy covers the notebook if it's damaged from a fall, has a liquid spilled onto it, is crushed by a train, or riddled by bullets, et cetera.
 
The down side of renter's/homeowner's insurance (in the US at least) is that it's become very common practice for insurance companies to jack up your premiums or drop you entirely if you make a claim, or (in extreme cases) even inquire about making one.

I really view my renter's insurance only as insuring against total loss (ie. my apartment goes up in flames and takes everything with it). Making a claim for a computer worth only $1000 or so would cost me so much more in the long run than just sucking it up and self-insuring for that amount. That's why my renter's insurance deductible is $1000, and I'm considering raising it in order to bring the premiums down even more.
 
Beware of Safeware!

Whatever you do, DO NOT purchase their laptop insurance. After a couple of years, my laptop started to give out, as they are prone to do with heavy use. I sent the machine in to Safeware, per my insurance policy, not ONE, not TWO, but THREE times, and they STILL were not able to fix the issue. Then, when they offered to reimburse me the cost of my unit, they denied me at the last minute because the computer was not in perfect shape-- even though they had seen it 3 times already at that point. This company clearly has NO customer service, and are a complete WASTE in repairing your computer. PLEASE don't make the same mistake I made-- Stay away from Safeware!
 
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