Should I get insurance for my laptop?

Laptop insurance is a good idea if you rely on your laptop a lot and couldn't afford to replace it if anything happened to it. Ultimately, only you can decide if you should get laptop insurance. It depends a lot on your needs and your budget.

Is there any insurance for laptops?

For protection against accidental damage, loss or theft, you can get portable contents insurance which can cover your laptop.

Will my laptop insurance cover me while I'm overseas?

This will depend on the type of insurance you have and the provider you purchased it from. In a lot of cases, you will be covered but only for limited amounts of time like 28 or 30 days. Check your product disclosure statement (PDS) for more information on this or get in touch with your insurer to ask them directly.

Laptop insurance: Compare policies & quotes

You can get laptop insurance as part of contents insurance which covers all belongings kept at your home – this is often a better value-for-money option.
You can insure your laptop with single item insurance – this is usually a cheaper option.
If you want protection outside the home, you can add on portable cover to contents or single item insurance policies.

What is laptop insurance?

Laptop insurance can protect your laptop from theft or accidental damage. Depending on your policy chosen, you can be covered for inside the home and while you're out and about (if you add portable contents cover).

What are my laptop insurance options?

Contents insurance

Contents insurance is designed to cover all the belongings inside your home, including your laptop. If you want to protect specific items you frequently take outside, like your laptop, you can add on portable contents insurance to your policy.

Single item insurance

This is a cost-effective way to insure the items you value most, like your phone or laptop. It's a good option if you only want cover for specific items and you can pay extra to protect your laptop outside your home.

Compare contents insurance policies for your laptop

9 of 55 results

Finder Score	Do they cover laptops?	Accidental Damage to Home or Belongings	Theft
Finder score 8.2 Great QBE Contents Insurance	Finder score 8.2 Great	Optional	Optional	Yes	Our verdict: It covers essentials such as fire and theft plus comes with some good perks such as security upgrades after a burglary.	Get a quote View details Compare product selectionCompare	loading
Finder score 9.2 Excellent Budget Direct Contents Insurance Most Loved	Finder score 9.2 Excellent		Optional	Yes	Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover. You need to pay extra for flood cover and accidental damage.	Get a quote View details Compare product selectionCompare	loading
Finder score 8.9 Great Honey Contents Insurance	Finder score 8.9 Great		Optional	No	Our verdict: A great option for renters or property owners seeking mid-tier coverage for their personal belongings.	Get a quote View details Compare product selectionCompare	loading
Finder score 9.4 Excellent Qantas Contents Insurance	Finder score 9.4 Excellent	Optional	Optional	Yes	Get a quote View details Compare product selectionCompare	loading
Finder score 7.3 Great Kogan Contents Insurance	Finder score 7.3 Great		Optional	No	Get a quote View details Compare product selectionCompare	loading
Finder score 5.8 Standard Huddle Comprehensive Contents Insurance	Finder score 5.8 Standard	Optional		No	Get a quote View details Compare product selectionCompare	loading
Finder score 8.9 Great ING Contents Insurance	Finder score 8.9 Great	Optional	Optional	Yes	Get a quote View details Compare product selectionCompare	loading
Finder score 6.2 Standard Huddle Black Contents Insurance	Finder score 6.2 Standard	Optional		No	Get a quote View details Compare product selectionCompare	loading
Finder score RACV Contents Insurance (VIC customers only)	Finder score	Optional	Optional	No	Get a quote View details Compare product selectionCompare	loading

Showing 9 of 9 results

Finder Score - Home Insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

How much does it cost to insure a laptop?

This depends on how you choose to insure it and how much it's worth. To give you an idea of what costs could look like, we got quotes for a contents policy worth $80,000 and added portable contents insurance for a $3,000 laptop.

How much does Laptop insurance cost?

Provider	Premium cost without laptop	Premium cost with laptop
	$516.20	$771.53
	$533.83	$681.83
	$394.22	$519.21
	$1,039.87	$1,264.09
	$400.89	$673.87

_{This information is accurate as of September 2024.}

$80,000 contents sum insured
$3,000 laptop sum insured
Quotes were obtained from a New South Wales home in Elizabeth Bay owned by a family of 2.
The homeowning family moved into their property in 2020.
Quotes were obtained in September 2024 and were for contents insurance only.
The house was a 3-bedroom, 1-story freestanding house on flat ground with brick veneer walls, terracotta tiled roof, no verandas and built in 1990.
Windows were secured by deadlocks, with no security devices.

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Written by

Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

Co-written by

Gary Ross Hunter

Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 578 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

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Laptop insurance

There’s a few ways to get insurance for your laptop. Compare below.