Does Homeowners Insurance Cover Electronics?
Yes — homeowners insurance covers electronics like TVs, computers, and phones when damaged by a covered peril or stolen, up to your personal-property limit and minus your deductible.
Usually Covered
By the Home & Dime Editorial Team · Updated 2026
Covered
- Theft, fire, and lightning-surge damage.
- Coverage even away from home (off-premises).
Value considerations
Electronics fall under personal property. Very high-value setups may bump against limits — replacement-cost coverage pays more than ACV.
Common exclusions
- Mechanical/electrical breakdown
- Accidental drops (unless you add coverage)
- Manufacturer defects
State considerations
Coverage is consistent nationwide; the payout basis (ACV vs. replacement cost) matters more than location.
Claim tips
- Keep receipts or photos of valuable electronics.
- File a police report for theft.
- Confirm ACV vs. replacement cost on your policy.
Frequently asked questions
Is a stolen laptop covered?
Yes, under personal property, even away from home.
Is a dropped phone covered?
Usually not — that needs separate device coverage.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Homeowners Insurance guide
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