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Question 19 of 22 in Types Of Coverages Available |
My laptop and luggage came up missing on a recent airline flight. The airline will reimburse the lost luggage but not the laptop. Will my home policy cover? |
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Airlines are subject to legislation that allows them to limit their liability for loss. This type of loss is covered under most insurance policies. As with other categories of personal property, however, there may be limits on the amount of coverage.
If you have a laptop computer or cell phone that you bring with you while you travel, consider the purchase of a rider to your homeowner's or renter's insurance to cover the item’s full value. Also, remember that purchasing the computer with a credit card can sometimes provides coverage for theft of items purchased with the card. Just be aware that theft coverage for items purchased by a credit card are likewise subject to certain exclusions. If your laptop or phone is from your business, your employer’s business insurance should cover it.
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