New macbook pro, should i get insurance? does anyone have any experience with it?

[ZacCucinotta]

Hello all,
I got a new macbook pro today (i needed it now so waiting for a new one was not an option) and was contemplating getting insurance for it. i found some places online that will cover it for a couple years for like 3-400 dollars. does anyone have any experience with laptop insurance? the big thing i'm wondering is if my laptop does fail, will i be able to get a brand new one, or will they mail me a check for 2500, or will they compensate for the laptop being a year old and only give me like 1000. i have applecare, but i'd like the extra peace of mind, and i like the idea that i could get the newest model of macbook pro whenever mine breaks.

 

[megamouse]

Just got my MBP recently, as you did. I was thinking the same option - going for an extra insurance - although I have got Apple Care with it.

I am thinking to get a new deal on my house insurance soon, and will put my laptop as a all-risk item. That should cover it and comes relatively cheaper than a stand-along insurance policy.

 

[kalex]

Yep home insurance and renters insurance are alot cheaper than standard insurance and they have pretty good coverage.

 

[patcase86]

Still be careful with home owners insurance though. I got my laptop stolen and my deductable was $1000. Also, they offer a 'full replacement' policy, but they depriciated my laptop and then will give me that depriciated amount when I get a new laptop, within 6 months. Confusing? Yes... let an example speak:

My BlackBook got stolen (along with backpack, TI89, pencils, pens, etc) and I got $600 from the insurance (after deductable). They said my BlackBook was only worth $1200, even though I bought it for $1500 6 months before. They will pay me that $300 depriciation when I get a new laptop (which I just ordered 2 days ago !).

Anyways, be careful with you stuff, but I recommend getting insurance for it.

 

[msprouls]

Still be careful with home owners insurance though. I got my laptop stolen and my deductable was $1000. Also, they offer a 'full replacement' policy, but they depriciated my laptop and then will give me that depriciated amount when I get a new laptop, within 6 months. Confusing? Yes... let an example speak:

My BlackBook got stolen (along with backpack, TI89, pencils, pens, etc) and I got $600 from the insurance (after deductable). They said my BlackBook was only worth $1200, even though I bought it for $1500 6 months before. They will pay me that $300 depriciation when I get a new laptop (which I just ordered 2 days ago !).

Anyways, be careful with you stuff, but I recommend getting insurance for it.

Thank you!!!

After reading your post I thought I better call my insurance company to verify coverage and sure enough home owners covers it with a $1,000 deductible plus it's depreciated.

Anyway State Farm has a personal item add on policy that covers replacement cost for accidental loss/damage and theft plus it follows me international. I put my camera and laptop on for $63.00 a year. My Laptop is a MBP 2.5, camera is a Nikon D80 kit

 

[schmidt190]

if your a student,www.studentinsurancegroup.com is the best there is.

 

[azharc]

I also just got my MBP, and AppleCare, but I'm getting insurance instead of theft (hey, for a $3000 system its worth it).

I got mine via the APA (Advertising Photographers of America) - they have a special deal for photography students insures all your gadgets and rented equip.

 

[alphaod]

I have insurance, but I have found no need for it.