The majority of companies will cancel the policy. If by chance they decide not to, be prepared to pay a very, very high premium.
Laptops covered under homeowners Insurance PolicyIf the laptop is scheduled property on your homeowners policy it will naturally be covered. If you do not have scheduled contents coverage then there may be no coverage for it. A quick call to your insurance agent could get you the answer.AnswerIf the laptop is used for business purposes, there may be exclusions or limitations under your policy. Also, it must be damage by a "covered cause of loss" as described in your policy. If it is not used in business and was damaged by a covered cause as described in your policy, then coverage would likely be afforded as personal property, subject to your policy deductible and depreciation if you do not have "personal property replacement cost coverage."
It just depends on whether you scheduled your diamond ring for coverage on your policy. If the diamond ring was scheduled as a covered item on your home insurance policy then it will be covered. If you did not schedule the ring and or did not pay the premium for fine jewelry coverage then no, it will not be covered.
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