Insuring your laptops?
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How many of you do this, specially those that work from home and travel with reasonably expensive laptops? For approximately 4000 dollars of laptop/accessories, it's approximately 90/year for a 0-deductible (which I think is a little too much). Anyone has any recommendations?
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
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How many of you do this, specially those that work from home and travel with reasonably expensive laptops? For approximately 4000 dollars of laptop/accessories, it's approximately 90/year for a 0-deductible (which I think is a little too much). Anyone has any recommendations?
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
So, lifetime of a laptop is what, five years on the long side? So 450$ for the lifetime of the machine, roughly 10% of the total value. What exactly does the insurance cover? If it only covers theft, I guess it depends on how prone you are to getting things stolen. And yes, a little on the high side. If it covers parts dying that is a different story. I had the screen on mine die a touch beyond after 3 years. I gladly would have paid $300 to cover that. One note though, research the company covering it. If it is similar to 'extended auto insurance' just skip it. They will always find a way to get out of paying. "Oh, yes we cover theft, but theft wasn't what caused you to lose it, getting a coffee and not securing it with the proper heavy link chain was."
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So, lifetime of a laptop is what, five years on the long side? So 450$ for the lifetime of the machine, roughly 10% of the total value. What exactly does the insurance cover? If it only covers theft, I guess it depends on how prone you are to getting things stolen. And yes, a little on the high side. If it covers parts dying that is a different story. I had the screen on mine die a touch beyond after 3 years. I gladly would have paid $300 to cover that. One note though, research the company covering it. If it is similar to 'extended auto insurance' just skip it. They will always find a way to get out of paying. "Oh, yes we cover theft, but theft wasn't what caused you to lose it, getting a coffee and not securing it with the proper heavy link chain was."
This is from one of the top-5 insurance companies in the US. And it covers theft/damage due to fire etc. but not parts failing (which would be covered by the manufacturer warranty I guess).
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
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How many of you do this, specially those that work from home and travel with reasonably expensive laptops? For approximately 4000 dollars of laptop/accessories, it's approximately 90/year for a 0-deductible (which I think is a little too much). Anyone has any recommendations?
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
I don't buy "reasonably expensive" laptops. The last one I bought was $400. If I lose it, or it gets stolen or somehow damaged, I'll just buy another one.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
I don't buy "reasonably expensive" laptops. The last one I bought was $400. If I lose it, or it gets stolen or somehow damaged, I'll just buy another one.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
-----
You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997I assume your backup system is sufficiently robust? I would imagine you have a reasonable system in place.
Ideological Purity is no substitute for being able to stick your thumb down a pipe to stop the water
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Nishant Sivakumar wrote:
damage due to fire
That's only necessary for Dell laptops, though. Right?
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997And anything from Apple :-)
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
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I don't buy "reasonably expensive" laptops. The last one I bought was $400. If I lose it, or it gets stolen or somehow damaged, I'll just buy another one.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
-----
You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997This is a work laptop :-)
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
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This is from one of the top-5 insurance companies in the US. And it covers theft/damage due to fire etc. but not parts failing (which would be covered by the manufacturer warranty I guess).
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
Nishant Sivakumar wrote:
damage due to fire
That's only necessary for Dell laptops, though. Right?
".45 ACP - because shooting twice is just silly" - JSOP, 2010
-----
You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
-----
"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
How many of you do this, specially those that work from home and travel with reasonably expensive laptops? For approximately 4000 dollars of laptop/accessories, it's approximately 90/year for a 0-deductible (which I think is a little too much). Anyone has any recommendations?
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
Nishant Sivakumar wrote:
For approximately 4000 dollars of laptop/accessories
Wow! that's pretty expensive laptop. I think for one or two years the insurance amount is not bad. After 2 years the laptop will be kind of obsolete anyway.
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Nishant Sivakumar wrote:
For approximately 4000 dollars of laptop/accessories
Wow! that's pretty expensive laptop. I think for one or two years the insurance amount is not bad. After 2 years the laptop will be kind of obsolete anyway.
Rama Krishna Vavilala wrote:
Wow! that's pretty expensive laptop.
Work laptop.
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
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How many of you do this, specially those that work from home and travel with reasonably expensive laptops? For approximately 4000 dollars of laptop/accessories, it's approximately 90/year for a 0-deductible (which I think is a little too much). Anyone has any recommendations?
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
The only insurance I normally have is that which I am legally required to have (Motor insurance, mostly). I think of insurance as gambling with a big company that not only won't tell you the odds, but won't give you your winnings without a fight either...
Ideological Purity is no substitute for being able to stick your thumb down a pipe to stop the water
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How many of you do this, specially those that work from home and travel with reasonably expensive laptops? For approximately 4000 dollars of laptop/accessories, it's approximately 90/year for a 0-deductible (which I think is a little too much). Anyone has any recommendations?
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
it should be covered by your home insurances. Insurring consummer goods is pointless, there is no value in them (talking about the hardware, not what is inside).
Watched code never compiles.
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How many of you do this, specially those that work from home and travel with reasonably expensive laptops? For approximately 4000 dollars of laptop/accessories, it's approximately 90/year for a 0-deductible (which I think is a little too much). Anyone has any recommendations?
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
What are you insuring it against? Theft, Normal Perils (Fire, Wind, etc)? Most of these would be handled under your renter's/homeowners insurance (if the loss is at home) but with a deductible (standard is $500). If it your worried about it in your car, there are usually some endorsement that would cover special personal property in your car in case of an accident but again a deductible is usually required. The $90 a year sounds pretty reasonable to me just because there is no deductible. Coverages under your homeowners or auto generally have deductibles but might be less expensive per month year.
Brett A. Whittington Application Developer
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it should be covered by your home insurances. Insurring consummer goods is pointless, there is no value in them (talking about the hardware, not what is inside).
Watched code never compiles.
Yes, but there's an upper limit for laptops/computers and the home insuarnce deductible is rarely (or never) 0.
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
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What are you insuring it against? Theft, Normal Perils (Fire, Wind, etc)? Most of these would be handled under your renter's/homeowners insurance (if the loss is at home) but with a deductible (standard is $500). If it your worried about it in your car, there are usually some endorsement that would cover special personal property in your car in case of an accident but again a deductible is usually required. The $90 a year sounds pretty reasonable to me just because there is no deductible. Coverages under your homeowners or auto generally have deductibles but might be less expensive per month year.
Brett A. Whittington Application Developer
Yeah my home owner's will conver this but I wanted a 0-deductible, specially for theft during travel.
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
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I assume your backup system is sufficiently robust? I would imagine you have a reasonable system in place.
Ideological Purity is no substitute for being able to stick your thumb down a pipe to stop the water
I rarely use the laptop, but when I do, I carry American Express. But seriously, I transfer code to it before I need to use it, and transfer code off of it to a thumb drive before traveling. If it gets lost/stolen, I still have the thumb drive. It's not super-high-tech, but I've never lost any data (or a laptop for that matter).
".45 ACP - because shooting twice is just silly" - JSOP, 2010
-----
You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
-----
"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
Yeah my home owner's will conver this but I wanted a 0-deductible, specially for theft during travel.
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
Before you decide to stick with just your homeowner's policy, I would talk with your agent/insurer about it regardless. Your personal property coverage under your homeowner's may be cash value as opposed to replacement cost in which case you might have to pay out of pocket to get back to what you had. So not only do you have the $500 deductible, you might have to make up the difference.
Brett A. Whittington Application Developer
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How many of you do this, specially those that work from home and travel with reasonably expensive laptops? For approximately 4000 dollars of laptop/accessories, it's approximately 90/year for a 0-deductible (which I think is a little too much). Anyone has any recommendations?
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
I worked mainly from laptops for about 12 years and never considered insuring one. Other than a HD failure and the battery life getting short over time, I never had any problems. When traveling I always had a backup of important files, data, etc. in a removable HD in a separate case and I always carried it with me by hand aboard planes, etc. I would ask myself how much the $90/yr investment would save me based on my losses over the past several years. For me the biggest hassle would be reinstalling everything and no insurance would help with that.
CQ de W5ALT
Walt Fair, Jr., P. E. Comport Computing Specializing in Technical Engineering Software
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I worked mainly from laptops for about 12 years and never considered insuring one. Other than a HD failure and the battery life getting short over time, I never had any problems. When traveling I always had a backup of important files, data, etc. in a removable HD in a separate case and I always carried it with me by hand aboard planes, etc. I would ask myself how much the $90/yr investment would save me based on my losses over the past several years. For me the biggest hassle would be reinstalling everything and no insurance would help with that.
CQ de W5ALT
Walt Fair, Jr., P. E. Comport Computing Specializing in Technical Engineering Software
Yeah it's quite low-risk really. I may not get one after all.
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
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Rama Krishna Vavilala wrote:
Wow! that's pretty expensive laptop.
Work laptop.
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
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