Macbook Pro Insurance

Discussion in 'MacBook Pro' started by mdcuk, Nov 30, 2011.

  1. mdcuk macrumors newbie

    Joined:
    Sep 14, 2011
    #1
    All right, I've just got a macbook pro 13" finally, and looking to take it to collage and out and about...been looking at some insurance for it. In your option is insurance worth it? and any good companies you guys know of? Protect my bubble seams quite good.
    cheers
     
  2. ArchiMark macrumors 6502

    Joined:
    Feb 2, 2003
    Location:
    Silicon Valley
    #2
    I've used Safeware in the past, been around insuring laptops, etc, for a long time....now, I'm covered with my homeowner's insurance....

    http://www.safeware.com
     
  3. randomrazr macrumors 65816

    Joined:
    Jan 1, 2011
  4. mdcuk thread starter macrumors newbie

    Joined:
    Sep 14, 2011
    #4
    Apple care is only an extended warranty and doesn't cover lost,theft, accidental damage. would have liked an educated answer. :)
     
  5. ET3SW macrumors member

    Joined:
    Nov 6, 2011
    Location:
    Houston, TX
    #5
    I would check with your insurance company first and foremost. They tend to be cheaper and way more reliable.

    For example i have a policy on my laptop that i bundled in with my Auto and Property. It covers my laptop for Full replacement value and it is covered worldwide and it only costs me a couple bucks a month.

    I know you said you were going to college so i am assuming you probably don't have property insurance but you may have auto insurance so you could check with them.

    Also most insurance companies allow children up to a certain age (I think 25) to be able to be under their parents policies. So you may also be able to get it through your parents insurance company.

     
  6. IllIllIll macrumors 6502a

    Joined:
    Oct 2, 2011
    #6
    You obviously don't know the difference between a warranty and insurance.
     
  7. randomrazr macrumors 65816

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    Jan 1, 2011
    #7
    u dont need insurance if u know how to take care of a computer
     
  8. IllIllIll macrumors 6502a

    Joined:
    Oct 2, 2011
    #8
    You're kidding right?

    You appear to be the only person in the world who does everything perfectly, doesn't cause or is the victim of accidents, and never gets anything stolen. I assume you don't have auto, home, or health insurance either? After all, you don't need insurance if you know how to take care of your car, your house, or yourself, right?
     
  9. ArchiMark macrumors 6502

    Joined:
    Feb 2, 2003
    Location:
    Silicon Valley
    #9
    and per previous poster, what if you got mugged and your MBA is stolen?

    :rolleyes:
     
  10. thundersteele macrumors 68030

    Joined:
    Oct 19, 2011
    Location:
    Switzerland
    #10
    don't feed trolls

    Actually, does anyone know how to ignore users here? I read that it's possible, but clicking on randomrazr's name and profile I couldn't figure out how to do it.
     
  11. Eddyisgreat macrumors 601

    Joined:
    Oct 24, 2007
    #11
    Statefarm Personal Articles Policy.

    Coverage for about 3k worth of kit is 60 bucks/yr for non professional use.

    No deductible for the first incident though i've heard after that it's about $1k (this is from photography firms).

    Great protection.


    Click on the user's name, click on "User Lists" which is under their username and title, then hit "Add to Ignore List".
     
  12. randomrazr macrumors 65816

    Joined:
    Jan 1, 2011
    #12
    yes that is my answer
     
  13. IllIllIll macrumors 6502a

    Joined:
    Oct 2, 2011
    #13
    ...And this is why nobody should take anything this guy says seriously.
     
  14. DougFNJ macrumors 6502a

    DougFNJ

    Joined:
    Jan 22, 2008
    Location:
    NJ
    #14
    If your primary residence is your parents, and you are residing at a dorm in school, depending on the insurance company your parents are using, you could either schedule it on the policy like you would an engagement ring, but make sure no deductible would apply, or you could do what Eddyisgreat is saying below...

    This is what I did, and I don't believe that they force a deductible on you after the first offense, at least not in NJ, other states may be different though..I had an insured watch stolen from a gym locker, they replaced it with a brand new one in less than a weekm and my deductible remained at zero. All they need is a receipt to write it along with application questions.

    For the record, I believe a homeowners policy would cover it as well, but you are limited in what the coverage is (Theft, fire, hurricane), and deductibles would apply, if you have a $1000 deductible it wouldn't be worth the claim.
     
  15. SDColorado macrumors 65816

    SDColorado

    Joined:
    Nov 6, 2011
    Location:
    Highlands Ranch, CO
    #15
    Here is another company you can look at if you are a student..
    http://www.studentinsurancepartners.com/

    Is it worth it? Hard to say. Peace of mind is worth something in itself. You always hope you never need it, but you will be happy you have insurance if you ever do. Unfortunately accidents can and do happen.
     
  16. ArchiMark macrumors 6502

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    Feb 2, 2003
    Location:
    Silicon Valley
    #16
    Exactly.....
     
  17. crobbins macrumors 6502

    Joined:
    Nov 11, 2006
    Location:
    Colorado
    #17
    Getting back on track :rolleyes:.. +1 for the State Farm Personal Articles Policy. I've had my computers on it since 2006. I had a nephew spill something on one of my MacBook Pros and all I had to do was call State Farm, get a quote from Apple and in less than a week I had a check at my door to replace my computer. It really is great service!
     
  18. simply amazing macrumors member

    Joined:
    Nov 2, 2011
    #18
    do you need another policy with state farm (home or auto, for example) to get this personal articles policy? or can i just go ahead and call state farm and start it on its own and insure what i need to insure?
     
  19. Eddyisgreat macrumors 601

    Joined:
    Oct 24, 2007
    #19
    This is what I did. No other policies w/ state farm, just the personal articles. Expect to be spammed in the mail though lol.
     
  20. crobbins macrumors 6502

    Joined:
    Nov 11, 2006
    Location:
    Colorado
    #20
    As mentioned by another poster, you do not need another policy with State Farm. This is the only policy I have with them.
     
  21. simply amazing macrumors member

    Joined:
    Nov 2, 2011
    #21
    thats great news to hear. thanks!

    i live in NJ, so i'm hoping the premiums here will be similar to yours eddy. $60/year with $0 deductible for the first incident? and $1000 deductible thereafter?
     
  22. Eddyisgreat macrumors 601

    Joined:
    Oct 24, 2007
    #22
    I was only given the small premium w/ no deductible. I've never filed a claim, so i'm not 100% sure if there is a deductible afterwards. The $1000 quote is what I read on some photography forums, but I don't know if they were classified as using their equipment professionally (which is under a different policy I think) or personally, so YMMV. One guy above said he didn't have a deductible after the first one.
     
  23. simply amazing macrumors member

    Joined:
    Nov 2, 2011
    #23
    awesome, thank you!
     
  24. Vook macrumors member

    Vook

    Joined:
    Apr 26, 2011
    Location:
    Merica
    #24

    That price is about right for Jersey.
     
  25. Takashi macrumors regular

    Joined:
    Oct 26, 2009
    #25
    I didn't know apple is into the insurance business.

    Of course, you don't need a brain to use a computer. But again, most people choose to think before they post.

    +++++

    Anyway, back to the main topic.

    Getting insurance from your auto/house insurance broker:
    Good - Cheaper, Depending on your policy, your computer might be "included" already.
    Bad - If you make a claim, it might affect your policy as a whole (i.e. rate increase), but again, this situation will depend on your policy.

    Getting insurance from 3rd party.
    Good - Filing a claim will most likely not cause any prince increase to your home/auto policy. (i.e. you pay the same to insure your house).
    Bad - more $$, filing a claim might be tricky (i.e. you have to include a police report, pictures, serial number, ...etc.), or the insurance company goes out of business during your insured period.

    In short, good luck and read the fine print before purchasing!
     

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