Should my insurance cover this

R.Youden

macrumors 68020
Original poster
Apr 1, 2005
2,091
40
Last night my PowerBook got knocked off my coffee table and I have damaged the power connector so the laptop wont charge now! I have home contents insurance to cover accidental damage so hopefully they will cover but I am sure they will try and get out of it. This is my first time making an insurance claim like this, any advice? Thanks.
 

clayj

macrumors 604
Jan 14, 2005
7,475
190
visiting from downstream
It might be covered, but you have to ask yourself: Is the cost to repair the Powerbook going to be lower than your deductible? Or is it barely going to exceed the deductible?

Don't make a claim unless the cost is really going to be worth the possibility of your premiums going up.
 

mkrishnan

Moderator emeritus
Jan 9, 2004
29,777
12
Grand Rapids, MI, USA
It might, but I think sometimes home insurance policies do not cover laptop computers because of the potential that they could be damaged outside the home. Which to me is eh, but at least, that is what I was told by my (State Farm) agent.
 

jeshepard

macrumors member
Jan 23, 2006
53
0
The last time I had my powerbook fixed (last year) it was a flat fee of $350. That included a new logic board and repairing a hinge. So I'm guessing that this would be cheaper than your deductible.
 

R.Youden

macrumors 68020
Original poster
Apr 1, 2005
2,091
40
My excess fee is £50. From what I can see I will need at least a new lower case, power board and logic board as the ethernet port has be put out of alignment.

On my insurance policy I am not covered if the laptop is out of my house but if it is inside then it may well be.
 

Chip NoVaMac

macrumors G3
Dec 25, 2003
8,893
31
Northern Virginia
R.Youden said:
My excess fee is £50. From what I can see I will need at least a new lower case, power board and logic board as the ethernet port has be put out of alignment.

On my insurance policy I am not covered if the laptop is out of my house but if it is inside then it may well be.
YMMV, here in the US - this sort of claim, regardless of the deductible, could hurt us in more major claims in the next 2 to 5 years.
 

trent88

macrumors newbie
May 24, 2006
1
0
R.Youden said:
Last night my PowerBook got knocked off my coffee table and I have damaged the power connector so the laptop wont charge now! I have home contents insurance to cover accidental damage so hopefully they will cover but I am sure they will try and get out of it. This is my first time making an insurance claim like this, any advice? Thanks.
Hi,

You better call your insurance agent or check your policy. I had my homeowner insurance at insurance broker www.insurancepaylite.com, and I added all my equipment, mac, pc etc to my policy. The thing is after I compared quotes with other insurace I got the cheapest. Hope this helps
 

Sun Baked

macrumors G5
May 19, 2002
14,874
57
Chip NoVaMac said:
YMMV, here in the US - this sort of claim, regardless of the deductible, could hurt us in more major claims in the next 2 to 5 years.
Yes, in the US they track people and homes, and do not insure bad risks -- much like cars.

Too many claims (sometimes even 1) for any amount can turn a home into a major risk -- and if it involved water, they won't even like you anymore.

Basically homeowners should keep insurance to major loss, or risk going naked after filing a minor claim.