Last Updated on August 3, 2025 by The Insurance Pros
💻 Does Your Michigan Homeowners Policy Cover Your Laptop?
A stolen or damaged laptop can be a costly setback. But if you’re relying on your Michigan homeowners policy to protect your computer from all risks, you might be surprised at what’s actually covered and what’s not.
🛑 Limited Coverage for Laptops Under Homeowners Insurance
Most Michigan homeowners and renters policies offer protection for your laptop only against specific perils, like fire, lightning, vandalism, or theft. This implies that you may receive coverage if a house fire damages your computer or if a break-in results in its theft. But what if you drop it or spill coffee on the keyboard? That’s not likely to be covered.
📉 Coverage Limits May Apply
Policies often limit coverage for electronics to between $1,500 and $5,000, sometimes even less if the device is used for business purposes. These limits may not fully replace a high-end laptop, tablet, or gaming system.
🛡️ Get Broader Laptop Protection with a Personal Articles Policy
To protect against accidents like spills, cracked screens, or power surges, consider adding a Michigan Personal Articles Policy (PAP). These standalone policies are designed to insure valuable items like laptops, smartphones, and jewelry with broader protection—and often no deductible.
For example, insuring a $2,000 laptop may cost only $60–$120 per year. You don’t even need to have your homeowners policy with the same company to get one. And many major carriers like State Farm offer this exact option.
💥 What It Covers That Homeowners Doesn’t
- Accidental damage from drops or spills
- Mysterious disappearance or loss
- Power surge or electrical damage
- Worldwide coverage (great for travelers or students)
📱 What About Other Devices?
Personal Articles Policies aren’t just for laptops. You can also insure tablets, phones, gaming systems, DSLR cameras, and smartwatches. It’s ideal for families with multiple devices or students heading to college.
🔍 Verify Your Current Coverage
If you’re unsure what coverage your Michigan homeowners insurance provides, contact your insurance agent. Coverage details can vary by company and policy. Don’t wait until it’s too late to find out your laptop wasn’t fully covered.
🔗 Related Resource: Michigan Electrical Surge Tips
Protecting your home goes beyond electronics. Keeping your gutters clean can also prevent costly water damage to your devices and wiring. Read our guide on Michigan electrical surge tips to learn how to avoid power surge issues that could harm your electronics or infrastructure.
📞 Get Help Choosing the Right Protection
Do you need help finding the right coverage for your electronics? Start with a free Michigan insurance quote by clicking the link.
