Best Laptop Insurance

Worth Ave. Group is the best overall laptop insurance

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Laptops are expensive and it can be worth it to find the best laptop insurance to protect them, especially since they’re such an integral part of our daily lives. For instance, if you’re self-employed and rely on your laptop to perform work, your productivity would come to a complete standstill if something happened to it. 

When choosing a laptop insurance plan, make sure you pay attention to what it actually covers, policy limits, and any exclusions to coverage. To help you in making your decision, we picked the five top laptop insurance options based on cost, coverage, where you use your laptop, and more.

Best Laptop Insurance of 2023

Best Overall : Worth Ave. Group

Worth Ave. Group

 Worth Ave. Group

  • Cost: Varies by state, starting at $37/year
  • Additional Coverage: Educational laptops
  • Limit on Claims: Unlimited
Why We Chose It

Worth Ave. Group earns our top spot because it offers the widest range of coverage including accidental damage, theft, and extended warranty coverage. It also has a combination of a high customer satisfaction history and discounts through partner retailers.

Pros & Cons
  • Unlimited claims

  • Coverage available for educational laptops

  • Insurance partners may provide premium discount (like Progressive)

  • Claims paid out at replacement value

  • Doesn’t cover theft from unattended vehicles

  • Premiums higher compared to others on the list


Worth Ave. Group offers laptop insurance for adults, college students, and those in a K12 setting. It stood out as the best overall because it covers the widest range of perils we’ve seen and has a longstanding history of high customer satisfaction. The insurer only offers a standard plan for their laptop insurance coverage, but it covers a wide range of perils such as theft, vandalism, a power surge caused by lighting, cracked screens, natural disasters, and spills. 

Policies are available nationwide and for all laptop models, including new and used ones. You can get a quote via their online application form—you’ll need to indicate your state of residence, user type, coverage amount, and policy term. You can also call customer service at 1-800-620-2885 or ask questions via their live chat option before taking out a policy. 

Policy premiums will vary depending on your state of residence, policy length, and coverage amount. For example, a Louisiana resident looking to get $500 worth of coverage for a one-year term can expect to pay $48 if paid annually. Compare this to a Florida resident who will pay $37 for the same coverage. However, all quotes you get online directly through their website will be subject to a $100 deductible.

Worth Ave. Group allows policyholders to submit a claim online by logging into their policy page, heading to the claims center page, and entering the required details before submission. Another option is to print out the claims form and mail or fax the completed document.

Best for Multiple Policies : Asurion



  • Cost: $24.99/month
  • Additional Coverage: Bundle other devices
  • Limit on Claims: Up to $5,000 annually
Why We Chose It

Asurion stands out by offering a policy that either has individual warranty coverage or can be bundled with other electronics in your home for a low monthly fee. This makes it our pick as the best for multiple policies.

Pros & Cons
  • Receive email updates about claims process

  • 24/7 technical support

  • Most laptop repairs completed within two days

  • Only one coverage option available

  • Does not cover loss or theft


Asurion took our top spot for multiple policies because of the ability to bundle other types of electronics for one monthly fee (also called their Asurion Home+ plan). Plus, you’re able to purchase policies at Amazon at the same time as purchasing your new laptop. Launched in 1994, Asurion has offices around the world and is highly rated in feedback from its customers.

Although coverage doesn’t include loss or theft, its policy includes perils such as power failure, cracked screens, spills, and damages due to normal wear and tear. Policies are dished out nationwide, and you can purchase a policy through Amazon or via their website if you choose to go with the Asurion Home+ plan—there’s no need to get quotes. 

The Asurion Home+ plan costs a flat $24.99 per month, and coverage starts 30 days after you enroll. Individual laptop insurance plans vary and coverage includes drops and spills, cracked screens, and hardware malfunction. To file a claim, policyholders go online through Asurion’s website.

Best for Low Premiums : Securranty



  • Cost: Starting at $98/year
  • Additional Coverage: All laptop models covered
  • Limit on Claims: Unlimited
Why We Chose It

Securranty is our choice as the best for low premiums because it offers the best prices for individual policies we’ve seen. Plus, policyholders receive a discount when purchasing longer terms, and those who purchase two or more policies receive a 10% discount.

Pros & Cons
  • Provides a discount for multiple policies

  • Coverage for new and refurbished laptops

  • All models covered

  • Online purchase form tends to be clunky

  • Deductibles are higher for used and rebuilt laptops

  • Individual policies won’t allow choice in deductibles


We chose Securranty as best for low premiums based on the fact that it offers multiple types of discounts, such as discounts when purchasing multiple policies. Headquartered in Houston, Texas, the insurer was established in 2011 and is a licensed insurance agency offering extended warranties and insurance plans. 

The company offers insurance for both adults and those in a K12 setting and its plan tiers include one for accidental damage and another for coverage against loss, standard perils (such as a fire), and theft. Policies are available throughout the U.S. and receiving a quote is done by filling out information on its online form—fair warning, it’s not that user-friendly—or by calling 1-832-304-2015. 

Policy prices differ depending on the type of laptop and length of the policy. As an example, a two-year accidental damage policy for a new laptop costs $98.00 per year.

Policyholders can file a claim 24/7 online by logging into their account or by calling customer service.

Best for New Devices : SquareTrade



  • Cost: $59.99 for two years
  • Additional Coverage: Spills and liquid damage
  • Limit on Claims: Up to $5,000 annually
Why We Chose It

SquareTrade is best for new devices because it covers spills and liquid damage from the first day of coverage, one of the most common accidents for new laptops.

Pros & Cons
  • Some claims may be approved instantly

  • Choose from multiple deductible options

  • Coverage starts on day of plan purchase

  • Policy for new laptops only covers those purchased within the past 30 days

  • No option to choose in-person repair from approved technicians

  • Standard plan doesn’t cover theft


SquareTrade offers some of the best overall protection while providing customers with an easy claims process online and add-ons to their standard plan. Launched in 1999, this insurer partners with larger companies such as Allstate to provide laptop insurance to major retailers such as Costco. 

Their plans include:

  • Standard protection: This plan kicks in when your manufacturer’s warranty expires and covers mechanical failures such as power supply burnout and screen failure.
  • Accident protection: This plan provides coverage beginning on the day you purchase your plan and includes accidents like drops and spills in addition to what's covered in the standard plan. 

The insurer offers coverage on all types of new laptops, as long as you purchase and register your device within 30 days of purchase, making it the top choice for those with new laptops. The online purchasing process is straightforward: Choose the laptop’s purchase price, the desired deductible, and the length of coverage. Once you enter your personal and payment details, you can register your plan (this is optional) after three days. Doing so can save you time should you ever need to file a claim. 

Policies are available nationwide and start at $59.99 for a two-year policy with a $25 deductible and go as high as a three-year policy with no deductible. To file a claim, head over to their claims page and provide the required information, such as details included in your purchase receipt and your laptop's serial number.

Keep in mind that one major downside to SquareTrade is that it won’t protect your laptop against loss or theft.

Best for Older Devices : Upsie



  • Cost: As low as $41.37 for two years
  • Additional Coverage: Used and open-box items
  • Limit on Claims: Unlimited
Why We Chose It

Upsie is one of the few companies that offers protection for used, open-box, or refurbished laptops. It also offers a low deductible compared to other providers that cover used laptops, making it our pick as the best for older devices.

Pros & Cons
  • Low deductible

  • Unlimited number of claims

  • Choose from in-person repair or ship to Upsie’s certified repair center

  • 31-day waiting period

  • Plans only in effect after manufacturer’s warranty expires


Upsie, a relatively new company that launched in 2018, is best for older devices because it is one of the very few companies offering coverage for used and open-box items. As long as your laptop was purchased within 60 days and has a 30-day seller's warranty, you can qualify for coverage. Most laptop brands are covered.

Getting a quote for a policy is simple. On their online application form, you'll need to provide details such as the type of device, brand, whether it's new or used, the purchase price, and the length of the plan. You can choose from a two- or three-year plan and all plans come with a $25 deductible. Coverage includes screen cracks, accidental damage like spills, and power surge damage. Policies are available nationwide and prices start from $41.37 for a two-year policy and go as high as $321.01 for a three-year policy depending on your laptop’s purchase price. 

You can only file a claim by calling customer service 24/7 at 1-877-844-7745.

Final Verdict

When it comes to laptop insurance, Worth Ave. Group is the best overall because it offers a wider range of coverage options than its competitors. This includes things like laptop theft and accidental damage. The company also offers an extended warranty and some discounts from its partner retailers. In addition to a wealth of coverage options, Worth Ave. Group has a long history of high customer satisfaction.

Compare the Best Laptop Insurance

Company Cost Limit on Claims Additional Coverage
Worth Ave. Group Best Overall Varies by state, starting at $37 per year Unlimited Educational laptops
Asurion Best for Multiple Policies $24.99/month Up to $5,000 annually Can bundle other devices
Securranty Best for Low Premiums Starting at $98/year Unlimited All laptop models covered
SquareTrade Best for New Devices $59.99 for two years Up to $5,000 annually Spills and liquid damage
Upsie Best for Older Devices As low as $41.37 for two years Unlimited Used and open-box items

Frequently Asked Questions

  • What is not covered under the laptop insurance for damage?

    Laptop insurance often doesn't cover normal wear and tear, blatant neglect of the device, software problems, and computer viruses.

  • Does insurance cover a stolen laptop?

    Yes, insurance can cover a stolen laptop if you purchase a policy that includes theft protection.

  • What can void a laptop warranty?

    If you remove the screws and open the case of your laptop, most warranties will be voided.

  • How much does laptop insurance typically cost?

    Your laptop insurance premium will depend on the type of coverage, deductible, and protection you choose. Most individual policies range from $28 to a few hundred a year. For instance, policyholders who choose longer coverage terms or those who opt for higher deductible amounts tend to have lower premiums per year. Other factors that may also affect premium prices include the value or purchase price of your laptop.

  • Does homeowners' insurance protect my laptop?

    Homeowners insurance can protect your laptop against some covered perils, including fire, theft, and covered natural disasters. This falls under the personal property section of your policy. Under most standard homeowners insurance plans, electronics such as laptops are covered up to $1,500. You’ll also need to pay a deductible as part of the replacement cost.


We researched 10 companies offering laptop insurance policies and evaluated each insurer based on factors such as coverage options, price, whether it covers both new and used laptops and the number of claim submissions.

First, we considered coverage options to find policies that have the widest range of protection. Then we looked at each plan’s pricing and whether there are any discounts for multiple policies and longer terms. We also looked at whether each plan allows unlimited claim submissions and the time it takes to process claims.

Businesswoman at home office, working with laptop on sofa

Oscar Wong / Getty Images

Article Sources
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  6. Progressive. "Computer & Laptop Insurance."