Ive broken my laptop and enjoy house insurance - is it jammy to claim from them?

Answers: Unless you hold a non-standard homeowners policy, or have it seperately insured on a special endorsment, it's not covered. The standard HO3 covers contents on a "named perils" justification, and oops I broke it isn't a named peril. Source(s): agent, 21+ years
You would have to be more exact how did you break it? It would be inspected so if used after loss date it will be noted. Secondly you will have a replacement beside the same technical specification so you will not be getting a unsullied top of the range lap top a moment ago exactly what you had before individual new! Plus them may be able to fix it - so nil new!
It adjectives depends on the policy. Some policies are on a 'named peril' basis. That means that the course in which it occurred must be nominated in your policy. In a named peril policy, near would be no coverage.

If you have a policy that is an 'all-risk' policy, next there likely be coverage. An all-risk policy mode that there is coverage UNLESS the cause of loss is planned as an exclusion. I have not seen an all-risk type of policy that excludes dropping.

I see claims paid where someone simply drops a bottle of bleach on their runner. Since they had an all-risk policy, it was compensated.

You need to call your agent.
You need to be more specific on what happened to your laptop. Dropped and broke it would not be covered on a standard ho3 or ho4 policy Source(s): agent
Well it depends on how it got broken I suppose.

My mum and dads computer stopped working after an electricity cable got hit by lightning and they sent them a fresh one out.
Homeowners/renters insurance covers your contents for name perils only unless you by some opening have an added endorsment covering "broken" items. What you would need surrounded by this instance to cover your broken laptop is a personal articals policy, which does cover "opps I broke it" type of ordeals at a pretty low cost... Hope this helped!
clumsiness is not covered
if some one else broke it for you it is an accident .
depends on who are you beside and the fine print of the coverage. maybe you are overpaying if you save that money you can afford a better nouns top.
It all depends on the cover you hold and the cause of the damage.

If, for instance, you open up a virus and it erased your programmes then that would be excluded.

If the damage be caused by one of the normal 'special perils' next damage would be covered: fire: lightning, explosion, storm, escape of water, stealing, riot/ commotion being the most common. Damage cause by these perils also may cover household goods temporarilly removed from the home (theft from a locked building).

Some inadvertent damage is covered under a middle-of-the-road household policy - you would have to see whether it extended to computers and if then lap-tops be excluded.

If your policy is extended to cover full accidental damage and totally unplanned damage cover to laptops were not excluded and your laptop be damaged accidentally, e.g. knocked stale the table then it would be covered.

With regards to all-risks cover (covering against loss or interrupt anywhere (virtually)) you would have to see if your policy has be extended to that cover and then to see if the laptop is defined as being surrounded by the types of articles covered.

There will, of course, be an excess under the policy - at lowest lb50.00 but if you have bought direct from an insurer/ bank greatly more (how do you imagine they keep costs down?)

Surprisingly if you are insured by your building society lower than a mortgage you are more likely to be covered as they provide very apt policies - but you certainly pay for them!

The claims procedure itself should be simple - within your policy is a telephone number to ring - call the number beside your policy details to hand, explain what happened. If defile is covered then a claim form may be sent. You maay also have to provide details of when/ where on earth you bought the laptop.

Last point - if you use the laptop for business purposes you may find that it is excluded anyway (especially on a direct policy)

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