Are iPads And Tablets Covered by Homeowners Insurance?

Homeowners insurance will cover a tablet or iPad, but only if the tablet is damaged or lost due to a covered peril listed in your policy, like theft or a fire. However, you aren’t covered for accidental spills or if you drop your tablet but this coverage is available via standalone tablet insurance, possibly from your insurer, another insurance company or a specialty insurer, like AppleCare+ or Upsie, who focus solely on electronics like iPads and tablets.

Many people own iPads or tablets and they use them to read, browse the internet, post on social media and even entertain their kids. Keep reading to learn about tablet and iPad insurance and if you have enough coverage for these handy electronics.

On This Page

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  Are iPads and Tablets Covered by Homeowners Insurance?

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  What Type of Insurance Do I Need to Cover My iPad and Tablet?

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  How Much Does Insurance for iPads and Tablets Cost?

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  Will Home Insurance Cover My iPad if It’s Stolen?

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  How To Get Insurance for iPads and Tablets

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  FAQs

Are iPads and Tablets Covered by Homeowners Insurance?

Standard homeowners insurance should cover your iPads and tablets against fire, vandalism, theft and other types of covered perils. That said, it may not always be worth filing a claim due to your deductible, which is the cost you pay out of pocket.

With the average home insurance deductible being $1,000 and tablets expected to cost $474 on average in 2024, you likely won’t get reimbursed for your tablet unless it’s part of a broader and more expensive claim, such as your tablet being one of many items lost in a house fire or break-in.^[1][2]

Keep in mind that your home insurance policy may not insure against certain losses, such as a cracked screen after dropping it, liquid damage or mechanical failures. You can buy standalone iPad or tablet insurance to get coverage for these types of damages or failures. If you use your tablet for business purposes, then you will need to look into commercial insurance.

What Type of Insurance Do I Need to Cover My iPad and Tablet?

Your iPad and tablet should already be covered under your homeowners insurance policy but you may want to buy standalone iPad or tablet insurance for additional coverage.

Personal Property Insurance

The personal property portion of your homeowners insurance policy will insure your iPads and tablets against covered perils, such as:

• Fire or lightning
• Windstorm or hail
• Explosions
• Smoke
• Theft
• Vandalism or malicious mischief
• Falling objects

Your policy will contain a list of exclusions, which are damages that your carrier will not cover. These typically include floods and earthquakes.

Your personal property coverage is often 50% to 70% of your dwelling coverage, which is the rebuilding cost of your home’s structure.^[3] That means if you have $250,000 in dwelling coverage, then you may have up to $175,000 in coverage for your electronics and other belongings. Your tablets are also insured if they are damaged or stolen away from your home, such as from your car. This is called off-premises coverage but is only 10% of your personal property coverage.^[3]

Keep in mind that after paying your deductible, you are reimbursed for only your tablet’s actual cash value by default, which is its depreciated value. It is possible to get reimbursed for the actual amount to replace the tablet at today’s cost but it will cost extra.

iPad and Tablet Insurance

You can buy iPad or tablet insurance to insure your electronics against damages otherwise excluded by your homeowners insurance, such as cracking your screen after accidentally dropping your tablet or liquid damage if you spill your drink on it. Specifically, a standalone tablet insurance policy may cover the following losses:

• Cracked screen
• Water damage (caused by a spilled drink or even a flood)
• Battery failure
• Power failure
• Touch screen failure
• Camera failure
• Headphone port failure
• W-iFi failure
• Bluetooth failure

How Much Does Insurance for iPads and Tablets Cost?

A specialty insurance standalone policy for iPads and tablets can be affordable with some carriers charging as low as $3.99 per month. Coverage is included in most homeowners insurance policies at no additional cost, but common repairs are not covered, especially if due to negligence (e.g. drops, cracks, water damage caused by spills).

Below are tablet insurance offerings from various providers:

Some claim that the best iPad insurance is AppleCare+, which has great coverage for people whose iPad warranty has run out. However, Best Buy has become quite the servicer of Apple devices. If you have a phone insured through AppleCare+, you may be able to bundle iPad insurance at a lower cost. Other carriers like Progressive, Upsie and SquareTrade can offer the coverage you’re seeking but keep in mind that the cost can scale based on the purchase price of your tablet.

Will Home Insurance Cover My iPad if It’s Stolen?

Standard homeowners insurance covers theft, vandalism and break-ins so your iPad should be covered if it is stolen. In this case, you should contact the police since a police report will be an essential document when submitting an insurance claim for a home break-in.

What About Other Stolen Electronics?

In addition to your iPads and tablets, your homeowners insurance should cover electronics including television sets, radios, game consoles and more.

How To Get Insurance for iPads and Tablets

If you decide on a standalone insurance policy for your tablets, see the table above for some common ones, like AppleCare+ and Best Buy as well as smaller insurers like Upsie, SquareTrade and Progressive’s Worth Ave. Group, will even cover a completely submerged tablet. These policies may also be recommended if you're clumsy and prone to dropping your tablet and cracking its screen.

Read below for tablet coverage where your home insurance policy is involved.

Decide How Much Coverage You Need

Make sure your limits reflect everything you own since you’ll be covered only up to your policy’s limits. For instance, if you have $50,000 worth of personal property coverage and your furniture, clothing, appliances and electronics add up to $70,000, you’ll be at a loss of $20,000 plus your deductible if everything is lost in a fire. Creating a home inventory can help you get a better idea of what you own and how much everything cost you.

Some people buy riders, which are added to a home insurance policy by the insurer, for especially expensive items, like jewelry, artwork and home-gym equipment. You may want one for your iPad, but again, common repairs will not be covered.

Compare Home insurance Rates

While your existing home insurance policy will likely already cover your tablet and iPads, you may be able to find cheaper coverage elsewhere. That’s why we recommend shopping around and comparing quotes from at least three to five different carriers. However, having to provide information about your home, insurance history and personal details can be tedious.

SmartFinancial simplifies the process by doing the shopping for you so you can save both time and money. Click here to complete a single questionnaire and get your free homeowners insurance quote today.