Is damage to a laptop computer covered by homeowners insurance?

Laptops covered under homeowners Insurance Policy

If 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.

Answer

If 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."