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.

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.

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.

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.

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.