Desktop computers, laptops, and popular computer monitors can all be costly investments, leaving consumers to wonder what options they have when it comes to offering protection and long-term security.

KEY TAKEAWAYS:

  • Computer and laptop owners have several options when it comes to protecting their devices.
  • Manufacturer’s warranties and extended warranties generally cover issues related to manufacturing errors and faulty parts.
  • Insurance will cover the above and offer coverage for accidental damage, loss, and theft.

Computer and Laptop Insurance Protection Plans

Besides taking great care while using your computer or laptop, there are some options for consumers to pick from when it comes to protecting high-value items. Once you find the best monitor size for gaming, your next question should be which computer insurance should you get

How to Cover Your Devices

There are a number of insurance and warranty options that offer coverage to computers, laptops, monitors, and related devices. Here are a few of the most common types of protection available.

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Manufacturers Warranty

A manufacturer’s warranty, otherwise known as a limited warranty, generally ships with the computer or laptop at the point of purchase. This means that the device will automatically feature some form of protection as soon as you take it out of the box. These limited warranties tend to be on the shorter side, lasting anywhere from 90 days to a year, depending on the manufacturer and the item covered. You may need to contact the manufacturer in order to activate the warranty and not everything will be covered by it. Generally speaking, a manufacturer’s warranty only covers damage related to manufacturing errors, faulty parts, or rough shipment experiences. So the manufacturer won’t be liable if it is a technical issue like you not knowing how to change brightness on windows 10.

Warning

Generally speaking, a manufacturer’s warranty only covers damage related to manufacturing errors, faulty parts, or rough shipment experiences

Extended Warranty

An extended warranty typically offers the same type of coverage as what is found with a manufacturer’s warranty, though features a much longer lifespan. Extended warranties can last as long as three to ten years, depending on the manufacture and the device itself. Extended warranties do cost money, however, so take that into consideration before making a decision. Typically, an extended warranty can cost anywhere from five to fifteen percent of the overall price of the item that is being covered. These warranties can usually be purchased via the manufacturer or via a third-party agent, such as Asurion or SquareTrade.

Insurance

The most robust form of protection available to device owners is a dedicated insurance policy, like Apple Care. These insurance plans will cover just about everything, including accidental damage, theft, and even loss. This coverage also typically includes damage pertaining to manufacturing errors and faulty parts. Insurance will cost money, typically around 15 to 25 percent of the device itself, but in return, these companies typically will fully replace a laptop computer when there is no other option.

Insider Tip

Extended warranties can last as long as three to ten years, depending on the manufacture and the device itself.

F.A.Q.

Which business insurance policies cover computers and laptops?

There are a number of third-party insurance providers that specialize in the coverage of computers and laptops that are being used in a business capacity.


What does laptop insurance cover?

This coverage will vary depending on the company and plan you choose, but insurance policies typically cover damage related to accidents, theft, and loss.


Is there a difference between laptop theft insurance and laptop insurance?

Sometimes. Certain plans will offer a higher tier that adds coverage for theft and loss. Be sure to read the fine print.


STAT: 80% of laptop failures that occur within the first 2 years aren’t covered by the original manufacturer’s warranty.

Lawrence Bonk

Lawrence Bonk is a copywriter with a decade of experience in the tech space, with columns appearing in Engadget, Huffington Post and CBS, among others. He has a cat named Cinnamon.

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