Laptop Theft

 What if your laptop is stolen?
You pay bills online and keep track of your finances with it.  You use it to communicate with family and friends while on the go.  It's your address book and digital photo album.  For many of us, our laptop is an invaluable part of our everyday lives, thanks to its versatility and portability.  Unfortunately, those same advantages make laptops prime targets for thieves.
To reduce the likelihood of having your laptop stolen, remember: Don't leave it unattended-especially in places such as coffee shops or airport terminals.  And don't leave it in plain view in your vehicle-lock it in the trunk.  Also think about installing software that will track your laptop if stolen.


What about insurance coverage?
Let's look at two common situations regarding coverage:
Your home is burglarized and your laptop is stolen. Are you covered?   Yes-your homeowners policy generally would apply, subject to certain limits and minus your deductible.

Your laptop is stolen from your vehicle while it's parked at a shopping mall. Is it covered by your auto policy?  No-personal items that are removable (such as laptops, cameras and cell phones) are not covered by your auto policy.  Generally, your homeowners or renters policy would apply if your laptop is stolen.  Note: If you rent your home, be aware that your landlord's policy does not cover your personal belongings.

Posted by Virginia Trowbridge 

Farmers-Trowbridge Insurance Agency