Insuring your laptops?
-
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
-
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
-
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
-
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
-
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
-
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
-
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
Alienware?
There is only one Vera Farmiga and Salma Hayek is her prophet! Advertise here – minimum three posts per day are guaranteed.
-
Alienware?
There is only one Vera Farmiga and Salma Hayek is her prophet! Advertise here – minimum three posts per day are guaranteed.
High-spec Dell Precision! (similar spec'd Alienware was 1000 cheaper).
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
-
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 bring my main laptop anywhere risky. I have a cheap, lightweight, but fast enough, laptop for travels. Besides, with the psycho security in airports, I'd consider my laptop "compromised" if it left my sight, to be "inspected". That means it's trash. Data is on a hidden, encrypted, usb key (that I would attempt to destroy before they can take it, while screaming "WE ARE LEGION!" :P lol). I'm sure they've twisted the law so that they can put keyloggers and monitoring wares, just based on "suspicious activity"... :P
-
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
Are you saying that the laptop is owned by your employer? In that case it should be covered by thier buisness insurance & not your problem (unless you own the buisness!)
Melting Away www.deals-house.com www.innovative--concepts.com
-
Are you saying that the laptop is owned by your employer? In that case it should be covered by thier buisness insurance & not your problem (unless you own the buisness!)
Melting Away www.deals-house.com www.innovative--concepts.com
Snowman58 wrote:
In that case it should be covered by thier buisness insurance & not your problem (unless you own the buisness!)
Normally yes, but the rules are a little different for work@home employees.
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
-
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 had mine stollen once. Bastards smashed the glass on my car and grabbed my bag. Home owners insurance covered the damage and loss. I've since installed LoJack on all my laptops. I wouldn't pay for specific insurance on my laptop. LoJack comes with a guarantee, only $1000 USD, but still worth the risk to me.
No comment
